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October 19, 2007
How I Live Without Using Credit Cards – My Simple System For Living On A Budget
I recently received the following email (used by permission) from a reader –
Could you explain "how" you live without using credit cards – not the philosophy but the actual "process"? Do you use an envelope system, debit cards, or checks? I am just getting started and I was wondering if you could do a basic "how to" post (and I would like to know which types of accounts you use). Thanks so much, Chad
Chad, I'll do my best to go through how I manage my money. If I leave something out of if something is unclear, feel free to leave a comment or shoot me an email, and I'll try my best to clarify.
Creating My Budget
Every month, I sit down and I create a budget. My budgeting process is rather "simple". My wife and I both receive our paychecks at the beginning of each month – mines arrives one week after hers. I divide my salary into three major categories – Give, Save, Spend – and then I break those categories into smaller sub-categories. For example: Give – Tithes, Offering, Charity. I then allocate, on paper, all of the funds that I receive for the month into those sub-categories. I spend every dollar, every month, on paper, before the month begins. I use YNAB Personal Budget (affiliate link) system – It's simple to use and works with my spreadsheet program. I deposit our paychecks into my local bank – and I can move money between my local bank and my online accounts, as needed.
Making Payments And Spending Money
For any scheduled or reoccurring payments (electric bills, phone bills, automobile insurance) – I use online bill-pay from ING Direct's Electric Orange Checking Account (affiliate link). The Electric Orange account is simple to use and I can use it to send a check to a company or an individual.
For any daily spending (groceries, gas, food) – I use cash. I use the Envelope System to manage my cash. Click here to view a video I made describing the Envelope System that I use. From time to time, I also use my debit card for these types of purchases – but I still find that I make wiser choices when I use real, old fashioned money. If you are just staring out, using the Envelope System is a great way to break yourself of the card-swiping habit.
For online purchases or for reserving a hotel – I use my debit card. Click here to read my post about using a debit card to reserve a hotel or to rent a car. (My debit card has built-in fraud protection. Ask your bank about their fraud protection policies.)
For any non-scheduled payments for which I might later need proof of payment(medical co-pays, school pictures) – I use paper checks. I write very, very few checks – maybe one or two per month.
Transferring Funds And Investing
Once a month, I transfer the amount allocated for savings from my checking account to my ING DIRECT -High Yield Savings. (affiliate link) If I need to make a contribution to a Roth IRA (or similar after-tax investment account), I simply login in to my brokerage account and initiate a transfer.
Chad, I hope this article helps to answer a few of your questions. Good luck with your debt reduction – and I hope you'll check back in with me often and let me know how things are going.
Leave a comment if you have a suggestion for Chad – or a question for me!
I also use the envelope system for my day to day expenses but I get paid more than once a month so I have a bi-weekly budget as well as a monthly budget. When I was setting it up I found that trying to merge the monthly bills into a bi-weekly pay was causing me trouble so now each paycheck has an amount that comes comes out for the 'ongoing' expenses like Food, Gasoline … so it looks like this
1-Paycheck is direct deposited into checking
2-Money is automatically transferred to savings for for savings goals and periodic payments
3-I withdraw in cash the money for my envelopes.
4 Bills get paid online from checking account.
I just use a speadsheet to track the balance in my checking and project ahead the bills that will be coming out. At the end of the month any leftover is transferred to savings. If it is a month with some odd payment (like car insurance) I can transfer it from my savings and pay it. Long term things go to an online account but short term things, like car insurance, just go into my local account.
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I disagree about using a debit card for car/hotel rentals. Yes, they place a hold on the funds for (often) more than the amount of the rental (a security deposit). It can take several days up to a week or more to get it put back into the account. Why would I want my money tied up like that?
This wouldn't work for me because 1) I do not keep much money in my checking account, for which I have a debit card. It is for everyday spending only, and the bulk of my cash is in other accounts earning interest. 2) If I let them hold my money, that's a about a week where my money isn't earning interest for me. Yes we're talking pennies here, but its just on principle. 3) I don't pay interest on my credit card anyway, since I pay it in full each month, so there is really no penalty for me to use my credit card which leads to 4) It is more convenient at many merchants because they usually discourage use of debit, probably because so many people get up in arms about the big withdrawals they put on the account.
I used the envelope system for awhile but stopped. I seem to go on and off budget. my credit card debt is almost gone. my accounts are closed. will never use credit again.
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I'm in the process of flattening my one real credit card (a rarely-used store card is not counted here) and if nothing else expensive happens, it will be at zero by year end. It will then be relegated a few annual payments and things like "its saturday and the car repair money is in high-interest savings."
As for debit cards, I use them rarely and use dedicated accounts for the job. I have more sense than to run a debit card against a live checking account, I keep money in special accounts that are just for the debit cards. This limits how badly they can mess me up.
I have a spreadsheet of my monthly income and expenses that I use to keep things under control. Two checks a month, with payments pre-planned out of each one. As I am paid on a two-week cycle I get three checks twice a year. These extras are split between building up the emergency fund and a payment buffer for the used car I had to buy when my older one was wrecked by a woman who had a seizure at a traffic light. (Which is why the emergency fund is not full yet. Hmph.)
I too would be scared to use my debit card for any online purchase, hotel reservation or car rental. For security purposes, I would rather use my credit card and pay the bill in full.
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Great blog and information! I use something similar to your budgeting. I do as you say "spend on paper" before actually spending the cash. I remember a time when I was younger and didn't do this, and now I can't imagine any other way. Yikes! I type up a "five month bill plan" I call it. I also set goals to get rid of debt. I hope in the next two years we can completely get rid of all debt but the house and regular monthly utility bills and such.
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I've started using my PayPal debit card instead of cash for my monthly spending money. I transfer money to it from my checking account- all of the funds for groceries, eating out, gas, etc, and use that for purchases because I get 1% cash back (instantly) on everything. I do try to carry cash more often now, but I'm just more accustomed to spending on plastic.
Great article. I was in the mall the other day and Sears was trying to get people to sign up for their credit card. The default interest rate was 32%!! We have lived without a credit card for the last two years and have not missed those bills at all.
All this is fine for those having a set income. We are owner/operators of a truck and have no set income. Our income depends on the freight that he has hauled which fluctuates from week to week. So there is no way we can live without credit cards. We have our taxes to take off the top each week that must be paid. Right now we aren't making enough to cover household expenses because i haven't worked for over 3 years.
Sheila… Is there some reason for why you haven't worked in three years?
Sheila.. You might be interested in this article that I wrote a few weeks ago…
I haven't worked because my mother passed away in 2005 so i was taking care of the estate for some time and clearing the house. Also at age 59 there aren't many people that hire my age. I also take care of the books for the truck. I just haven't worked for money paying job. We were doing ok for a while with me not working but now i need to return to the hell hole of a work force. I have a budget somewhat that i try to follow. and we are ok with that.
Not me!! I love my credit cards!! I love the rewards too!!!
Your system seems quite easy to follow, some of the details wouldn't work for me because I need everything to be automatic (or it doesn't get done). For example I have direct debits set up for bills rather than doing online bill pay.
I tend to use my debit and credit cards more or less interchangeably as I pay off my credit in full each month, and account for charges as they are spent rather than when the bill comes in (if that makes sense).
At the moment I'm using mostly cash for my spending money, but I'm going to try out Finance and Fat's method in an effort to monitor my personal spending a little better – I tend to go through cash like water.
I have not used credit cards since 1980. I own a home (with a mortgage), a fairly new car, decent clothes, and eat pretty well. Yes, sometimes it is difficult to make ends meet, but it costs far less than putting groceries and gas on credit like some people I know have a habit of doing. People fail to read the "fine print" of their credit card agreements. Then, when payments go sky high, by golly, are they so surprised! When you live within your means, maybe you don't get everything you want right away. If you gave thought to it, did you really need it or just want it? If you want it that badly, you will find a way to save for it. My belief about credit cards is that they have been, and will continue to be, the downfall of many people. Kids "I want it now" attitudes are fueled by their parents' willingness to buy it on credit and pay twice the amount for it in the end. Without the use of credit, at least your children gain an understanding that they can't have it all now. Most of the time, they didn't need or want it anyway. My opinion of credit cards is that they are the biggest scam financial institutions have ever created. Unfortunately, there are millions of people who still unwittingly play into the scam.
As I have said earlier, We use the credit cards for unexpected expenses. And believe me there are plenty of them in owning a large truck that is your business. We don't use them for gas and food like some people. They are there to help us in an emergency and used only when necessary. My main bills i usually pay on line or drop off or even use the snail mail! Very seldom is a card used to pay a bill unless absolute necessary!!! When used right, they are very helpful.
Six years ago I closed my bank account at Bank of America and moved everything into a local credit union. I got rid of my credit card, and when the credit union offered me a debit card, I accepted, but requested the old-fashioned type WITHOUT a visa logo.
I'm the only person I know who utilizes this method of keeping myself out of financial trouble. I often annoy others with my need to visit an ATM when we go out(can't pay for dinner at most restaurants without the visa logo), and I get dirty looks when I pull out my checkbook in stores that don't have a pin pad for purchases.
I have a car loan, student loans, and savings accounts that are all building credit… I just don't buy the theory that you need to carry debt to build credit. I think that's evil and if it makes my life a little less convenient I'm willing to deal with it to make a statement.
Added perk: if someone steals my wallet all they get is a drivers license and an ATM card that's useless without a pin code. No shopping sprees with Victoria's Secret and Macy's credit cards!
Six years ago I closed my bank account at Bank of America and moved everything into a local credit union. I got rid of my credit card, and when the credit union offered me a debit card, I accepted, but requested the old-fashioned type WITHOUT a visa logo.
I'm the only person I know who utilizes this method of keeping myself out of financial trouble. I often annoy others with my need to visit an ATM when we go out(can't pay for dinner at most restaurants without the visa logo), and I get dirty looks when I pull out my checkbook in stores that don't have a pin pad for purchases.
I have a car loan, student loans, and savings accounts that are all building credit… I just don't buy the theory that you need to carry debt to build credit. I think that's evil and if it makes my life a little less convenient I'm willing to deal with it to make a statement.
Added perk: if someone steals my wallet all they get is a drivers license and an ATM card that's useless without a pin code. No shopping sprees with Victoria's Secret and Macy's credit cards!
This website is awesome – so glad I found it today!
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great blog, and yes everyone can do this
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Having read your post I realize that it is possible to live without credit cards. However, in some situations we really need them.
I have been using credit card companies for years to bounce thousands of dollars in debt from one 0% interest card to another. It helps having good credit and getting plenty of new credit card offers in the mail. Even though I pay off my monthly credit card balance (except my 0% card), I would personally like to eliminate my credit cards, but see them as a fall back protection in case things get really difficult. Worse case scenario, it would be possible to max out my credit cards and file bankruptcy. I never use debit cards and have just set up an electronic payment system for most of my monthly bills so have reduced my check writing to a minimum. I also barter my handyman services for things like dental care, massage, cranio-sacral and others. I believe that is the future of grassroots finance.
As a person whose parents got into serious credit card debt when I was younger, I made a promise to myself a long time ago to never get a credit card. I'm a college student so the credit card companies send me countless credit card offers, but I just shred every one of them. I'll build credit with student loans, etc. (and trust me I have plenty of those!) If I don't have the money for it now, then I don't need it. And why pay for something later when I have the money and can pay for it right now? Credit cards are completely unnecessary, and are simply built to cater to the average American's "must have the latest cool thing now" mentality. I'm glad I'm not the only person who sees that it is completely possible, and better, to live without a credit card.
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I use s simple budgeting system I got from my Dad. Two accounts, one for fixed bills, the other for spending. Since we can FINALLY live just on my Wif'e's paycheque each month (she's paid monthly) is split in two. Half into the fixed bills account the other half into spending. Each week I take out 200€ and that's my spending for the week, most weeks I come in under with the balance being carried forward
My paycheque (man that feels soo good) goes straight into savings.
Super duper easy and minimal effort and I never worry about being short for the rent!
Spanish Debit Cards are actaully "charge" cards, They have the Visa logo which means I can use them to shop online, I purchase alot of stuff from Amazon.de and from the US so it makes it convenient. It also comes direct from my bank account so no worry about getting a nasty shock at the end of the month.
Sounds like you have been listening to Dave Ramsey per your quotes! Yes I too am an avid listener and he has changed my way of thinking. It is possible and quite pleasant to live without credit cards, its amazing to see so many people think they are dependant on them or need them for "this and that", rental car, protection, emergency, etc….
If you liike your credit card so much, accidently be a day late, they will max out your APR and stick you with a fee. These companies are like playing with snakes! Dont do it!
The truth is debit cards with a Visa logo offer the same protection as credit cards on purchases, and a little planning on your part saving and creating an emergency fund alleviates the "for emergency" excuse.
RENTING A CAR is one place where I had to have a credit card. I had a debit card with enough cash on it to BUY THE CAR and that wasn't good enough. this is the only time i've really needed one.
In addition to the envelope system, I also have a savings account which I use as a "line of credit." Amy money I take from this automatically becomes a bill which must be paid just as I do the lights, cable, insurance, etc. In essence, I have my own private credit card. In addition to any monthly payments, I also add a set amount to it every paycheck so my "credit line" continually grows. I have found it is a lot easier, and a lot less expensive to loan myself money than to get it from the credit card companies.
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Thank you for your info on how they caulate what your new min. credit bill will be. I am not handy with math, and it was very hard to figure out. now I know, you explained it well.
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Answers Home
» Behavior & Training
How can I train to stop my newest chihuahua not to bark and bite my other one?
Asked by
on Mar 29th 2010
in Behavior & Training
- Cast your vote for which answer you think is best!
First of all, don't give your dog a lot of attention when he barks. Try to ignore him. When you give him a lot of attention, or yell at him, you are reinforcing the barking. Give him a treat and praise him when he is quiet. You could try putting a leash on him, and whenever he barks, remove him from the room. This will take time and patience. So far as biting the other one, you can praise him and give him a treat every time he comes in contact with and is calm with the other one.
Oakley - Memorium - 1994-2007 answered on 3/29/10. Helpful? / 1
How long have you had the newest one? Bringing a new dog into a home with another dog seldom results in instant friendliness! The new dog is usually nervous and the first dog is feeling left out and abandoned, especially if a new dog is barking and biting him. Give them both some space and some individual attention. Remember, feed the old guy first since he was there first and the new one doesn't know she isn't supposed to get fed first! I would also get into the habit of feeding them in separate rooms or, even better, in their crates.
How old is the new one? If it's a puppy, it is probably somewhat frightened of the other one so the less you acknowledge it's barking, the better it is...give them some time to get used to each other.
Member 641257 answered on 3/29/10. Helpful? / 1

subset: commoncrawl


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It didn't take long for Jason White to assess Garrett Anderson.
"He reminds me of Fran Tarkenton," White said.
Similar to the former Minnesota Vikings and New York Giants slippery signal caller, Anderson -- who wears No. 44 -- immediately stood out to when White popped in the game film.
"He goes across the field five different times," White said with sincere admiration. "He started on the 25-yard line and ended up in the back of the end zone. And he still got the throw off."
Anderson's mobility, as well as his ability to throw the football with accuracy and power, has powered the Berean Christian High football team to the No. 5 seed in the North Coast Section Division 5 playoffs.
The Eagles (3-7) will go toe-to-toe with White's No. 4 St. Bernard's Crusaders (6-4) in a first-round tilt in Eureka today at 1 p.m.
White couldn't say enough about Anderson's improvisation when he drops back to pass.
The Tarkenton- and Houdini-like escapablity is a nightmare for any head coach and defensive coordinator.
Not White.
His Crusaders have seen another quarterback with a similar skill set.
"Joey Wittlake is really mobile," White began, "But he doesn't scramble the same (Anderson) does."
White was referring to South Fork's quarterback whom the Crusaders faced twice this season. Wittlake is more Randall Cunningham -- great speed with an accurate/strong arm to boot -- than to the Tarkenton-esque Anderson.
How does White and his defense combat No. 44 today?
"Easy," White said of the concept, "Get pressure with the front four. If we can get pressure on this kid and force a mistake, that's going to be our best defense. We're going to rely on the front four to get that done."
How sure is White of the tactic?
Remember that sideline-to-sideline scramble mentioned up top that started with Anderson on the 25-yard line?
"The pass he threw was intercepted," White said.
With that said, however, the Crusaders boss instilled upon his players to hold the Eagles in high regard.
"You're leery of team like this," White said. "You don't know what a team like this is going to do."
Head coach Mark Barcelon and his Eagles will have Anderson in the huddle running things.
White and his Crusaders do not have that luxury.
Starting quarterback, senior Christian Mello, will sit the first-round NCS matchup out after getting ejected for what officials deemed as throwing a punch in a regular-season ending home loss to Ferndale.
In Mello's place will be junior Patrick Allen.
Don't expect the Crusaders to veer from what got them to this point offensively, however.
White noted the offense changed the last time Allen took Mello's place -- an Oct. 20 22-18 defeat to South Fork -- and it was a mistake.
"I did tear back the offense to take pressure off of Patrick," White said. " I felt I hamstrung our team in doing that. Our QB is fairly involved in our offense.
"This time, I'm not going to make the same mistake. We'll run the offense like we usually do. Patrick is doing a good job, he's a good athlete, but he does not have as much experience or reps as Mello. This week, Patrick got all the reps. He's a competitor and wants to win."
White was livid after the play which saw Mello ejected -- rightfully so.
The fiasco could have shattered the Crusaders' mindset.
White wouldn't let it.
"Yeah, my kids were angry last weekend," White said. "It wasn't disappointment as much as anger. And that was reflected by myself too.
"This week, you're in or you're out. There are no second chances here. We don't have time to dwell and we talked on Monday and have moved on."
After watching the Eagles' game film, White couldn't help but think of the rival Cubs.
"(Berean Christian) reminds me of South Fork in a lot of ways," he said. "They have a good quarterback and some receivers."
"They're not real strong up front," White said as he stopped comparing the Eagles and Cubs to one another. "Defensively, they are kind of active up front, not real bad. They don't list heights and weights anywhere."
White, however, is well aware of a beef master on the Eagles' roster -- 6-foot-6, 300-pound senior offensive and defensive tackle Dominic Barich (No. 75).
White doesn't put much stock into Berean Christian's .300 record.
"Obviously, they play in very tough league and their schedule reflects their record," White said.
The Eagles finished fifth in the seven team Tri-County-Rock League after facing fellow playoff teams El Cerrito, Salesian, Valley Christian and St. Mary's.
Ray Aspuria can be reached evenings at 707-441-0527 or firstname.lastname@example.com


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JSchroeder necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 22 diseños de 12 diseñadores freelance.
We are looking for a logo for our new online simulation Buckingbullbreeder.com. This is a game where users create and manage a small herd of bucking bulls.
Our current customers picked our new site name by an overwhelming margin despite its length. The logo does not necessarily have to include the entire "Buckingbullbreeder.com" in the logo.
We are very open on colors because we typically wait for a logo to go with a color scheme.
You can find a set of logos for our other sites at http://www.thirdrow.net. My favorites of those logos aret he logos for Trophyhorse, Showhorse, Cattle.com, and Showcats.com.
- Sharper feel
- Logo does not necessarily have to include the entire site name
- Excessively cartoonish


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Barn Notes: Thursday, July 04, 2013
In Today's Notes: Yankee Injunuity Outrunning His Age, Ready for Arlington Sprint; Dorsett A Possible Rising Star for Stidham
Road to the 2013 Million – Vol. 4: Wednesday, July 3, 2013
In this edition: Arlington Million XXXI: Eclipse and U.N. Will Reveal Much; Beverly D.: Ambivalent and Somali Lemonade Impress, Ladys First In; Secretariat: Team Valor's First Cornerstone Fits the Profile; American St. Leger: Euros Begin to Look Formidable
Arlington Sprint Attracts Three Former Champions
Saturday's Listed $100,000 Arlington Sprint has attracted three of the last four winners of the 5½-furlong turf dash including one who went on to win the Breeders' Cup Sprint that same season.
Barn Notes: Sunday, June 30, 2013
In Today's Notes: Cozze Up Lady Exits Chicago Win Well, Aubby K Suffers Abrasions; Defending Meet Champion Torres Pulls a Saturday Hat Trick
Cozze Up Lady Pulls Off Mild Upset in Grade III Chicago 'Cap
The Bret Calhoun-trained filly Cozze Up Miss notched her first stakes victory when coming from off the pace to win the Grade III Chicago Handicap by three-quarters of a length on Saturday at Arling
Barn Notes: Saturday, June 29, 2013
In Today's Notes: Saint Leon, Regally Ready and Chamberlain Bridge Head Arlington Sprint Noms; Friday's Seventh Race Provided Meet-High Payoffs
Barn Notes: Friday, June 28, 2013
In Today's Notes: Channing Hill Set for Saturday Return; Chris Block's Stakes Squad Primed for July
Barn Notes: Thursday, June 27, 2013
In Today's Notes: Tim Thornton: Batter and Bruised, But Spirit Not Broken; Rosemary Ready to Return
Grade I Winner Aubby K Heads Chicago Handicap
Grade I stakes winner Aubby K heads a field of 10 filly and mare sprinters entered for Saturday's $150,000 Chicago Handicap. The Grade III race will be run at seven furlongs over Polytrack.
Road to the 2013 Million: Vol. 3 - Wednesday, June 26
In This Edition: Arlington Million XXXI: Europe Heats Up; Beverly D.: Don't Discount Dalkala; American S
Barn Notes: Sunday, June 23, 2013
In Today's Notes: Hall of Famer Desormeaux Takes Command in Jockey Ranks; Unlucky Royal Ascot Runner-up Dandino Now Possible for Million
Barn Notes: Saturday, June 22, 2013
In Today's Notes: Chicago Handicap Shaping Up Well; Ramsey Stable Owning the Arlington Exacta; Veteran Trainer Bettis Passes
Barn Notes: Friday, June 21, 2013
In Today's Notes: Shadwell's Ausus and Najjaar Take Aim at Million Preview Day; De La Cerda Excited About the New and Improved La Tia
Barn Notes: Thursday, June 20, 2013
In Today's Notes: A Lady, a Prince and a Saint – Michele Boyce's Noble Steeds Are Ready for Summer; Mason's Flower Spell on Target for Chicago 'Cap, Rahab Your Soul "OK"; Multiple Carryover Pools for Friday's Card
Road to the 2013 Million – Vol. 2: Wednesday, June 19, 2013
Arlington Million XXXI: Prince of Wales's Recap, Willcox Inn to Test Little Mike in U.N.; Beverly D.: La Tia Keeps Improving; Secretariat: Centaur and Hill Prince Produce Exciting Possibilities
Barn Notes: Sunday, June 16, 2013
In Today's Notes: Impressive Black Tie Affair Winner Coalport Possible for Arlington Handicap | Canadian Bettor Brings Down Jackpot High 5
La Tia and Coalport take Lincoln Heritage and Black Tie Affair Handicaps
Hernandez Racing Club's Grade III winner La Tia broke sharply and led at every call en route to a facile 3 ½ length score for trainer Armando De la cerda in Saturday
Barn Notes: Saturday, June 15, 2013
In Today's Notes: Florent Flourishing in 2013
Gotta Good Feeling's Impact Goes Beyond the Track
The horse with floppy ears and a big white blaze exited the sales ring at a 2-year old in training sale without having moved any buyers to take a chance, but trainer
Barn Notes: Friday, June 14, 2013
In Today's Notes: Nye, The Doll of Voodoomon Stable, Spreads Her Magic


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iPhone 5 Mini Dock Connector Photos Surface Online
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text:
Saturday was the first Farmers' Market of the year in downtown Wilmington. Plenty of people showed up to check out the plants and produce of farmers from all over southeastern North Carolina. Wilmington's Park and Recreation Department started the Farmers' Market in 2004, as an effort to encourage people to buy local produce. Farmers said it's always tough to decide what to bring to the first market of the season. "We have to pick out the stuff that we think the customers will buy, but mostly we know that they'll buy the vegetable plants and the pretty geraniums that we grow," said Glenda Milliken. Farmers said the nice weather made the first event of the season a success. The Farmers' Market will run every Saturday until December 19th, from 8 am until 1 pm.
Farmers' Market opens for season
0 Comments for this article


text:
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RE: st: prediction after y-logged regression
"Shehzad Ali" <firstname.lastname@example.com>
RE: st: prediction after y-logged regression
Thu, 5 Jun 2008 16:36:29 +0100
Thanks, Nick. This is helpful.
-----Original Message-----
From: email@example.com
[mailto:firstname.lastname@example.com] On Behalf Of Nick Cox
Sent: 03 June 2008 15:33
To: email@example.com
Subject: RE: st: prediction after y-logged regression
You could try it and see. Or look at the code to see what it does.
In fact, this won't work. -predlog- is self-contained and carries out a
regression and then does the necessary extra calculations. Only by
rewriting the program could you extend it to other methods.
I found this in my files. Without absolutely no promises about its
scope, it may nevertheless show by example that you don't much need an
extra program, as only a few lines are required after something like a
*! NJC 1.1.0 8 January 2005
* NJC 1.0.0 13 September 2002
program smear, rclass
version 8.0
syntax [if] [in] [, Generate(str) OUTofsample ]
if "`generate'" != "" {
capture confirm new variable `generate'
if _rc {
di as err "option syntax is generate(newvar)"
exit _rc
marksample touse
qui count if `touse'
if r(N) == 0 error 2000
tempvar resid yhatraw
tempname rmse cf
qui {
* will exit with error message if no estimates
scalar `rmse' = e(rmse)
if "`outofsample'" != "" predict double `yhatraw'
else predict double `yhatraw' if e(sample)
predict double `resid', res
replace `resid' = exp(`resid')
su `resid', meanonly
scalar `cf' = `r(mean)'
if "`generate'" != "" {
gen double `generate' = exp(`yhatraw') * `cf' if
la var `generate' "smeared retransformation"
di as res scalar(`cf')
return scalar smearcf = `cf'
Shehzad Ali
Thanks, Richard. I understand that - predlog - is useful for OLS
What if you are using models like treatreg or heckman or other two-part
models? Would - predlog - still work?
Richard Goldstein
type -findit predlog-
Shehzad Ali wrote:
> I am running a regression in which y variable is logged
> (semi-logarithmic). The literature suggests that in order to get an
> anti-logged prediction of yhat, one should proceed like this:
> 1. Run the regression and predict yhat,
> 2. Then exponentiate the predicted yhat, and finally
> 3. Mutiply the exponentiated predicted yhat by the mean value of
> residuals from the regression (otherwise known as smearing).
> I was wondering if there is a direct way to do it in stata or if there
> is any other method that experts would suggest to get anti-logged
> prediction.
* For searches and help try:
* http://www.stata.com/support/faqs/res/findit.html
* http://www.stata.com/support/statalist/faq
* http://www.ats.ucla.edu/stat/stata/
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text:
legendary heroics of the Newfoundland dog at the scene of the
Ethie wreck were immortalized in verse by the poet E. J. Pratt.
There is no record of the S.S. Ethie's dog being named Carlo -
we"ll have to chalk this one up to poetic license. A reading of
the poem leaves little doubt in one's mind that Pratt was thinking
of the Ethie when he wrote this. Another clue is the quote with
which he prefaces the poem (taken from an unnamed Newfoundland
newspaper): "The dog that saved the lives of over ninety persons
in that recent wreck, by swimming with a line from the sinking
vessel to the shore, well understood the importance as well as
the risk of his mission." He must have been a dog lover.
I see no use in not confessing—
To trace your breed would keep me guessing,
It would indeed an expert puzzle
To match such legs with jet-black muzzle;
To make a mongrel, as you know,
It takes some fifty types or so,
And nothing in your height or length,
In stand or colour, speed or strength,
Could make me see how any strain
Could come from mastiff, bull, or Dane.
But, were I given to speculating
On pedigrees in canine rating,
I'd wager this—not from your size,
Not merely from your human eyes,
But from the way you held that cable
Within those gleaming jaws of sable,
Leaped from the taffrail of the wreck
With ninety souls upon its deck,
And with your cunning dog-stroke tore
Your path unerring to the shore—
Yes, stake my life, the way you swam,
That somewhere in your line a dam,
Shaped to this hour by God's own hand,
Had mated with a Newfoundland.
They tell me, Carlo,
that your kind
Has neither conscience, soul, nor mind;
That reason is a thing unknown
To such as dogs; to man alone
The spark divine—he may aspire
To climb to heaven or even higher,
But God has tied around the dog
The symbol of his fate, the clog.
Thus I have heard some preachers say—
Wise me and good, in a sort o' way—
Proclaiming from the sacred box
(Quoting from Butler and John Knox)
How freedom and the
moral law
God gave to man, because he saw
A way to draw a line at root
Between the human and the brute.
And you were classed with things like bats,
Parrots and sand-flies and dock-rats,
Serpents and toads that dwell in mud,
And other creatures with cold blood
That sightless crawl in slime, and sink
Gadsooks! It makes me sick to think
That man must so exalt his race
By giving dogs a servile place,
Prate of his transcendentalism,
While you save men by mechanism;
And when I told them how you fought
The demons of the storm, and brought
That life-line from the wreck to shore
And saved those ninety souls or more,
They argued with such confidence, —
'Twas instinct, nature, or blind sense.
A man could know when he would do it,
You did it and never knew it.
And so, old chap,
by what they say,
You live and die and have your day,
Like any cat or mouse or weevil
That have no sense of good and evil,
(Though sheep and goats, when they have died,
The Good Book says are classified)
But you, being neuter, go to—well,
Neither to heaven nor to hell.
I'll not believe
it, Carlo, I
Will fetch you with me when I die,
And standing up at Peter's wicket,
Will urge sound reasons for your ticket;
I'll show him your life saving label,
And tell him all about the cable,
The storm along the shore, the wreck,
The ninety souls upon the deck,
How one by one they
came along
The young and old, the weak the strong,
Pale women sick and tempest-tossed,
With children given up for lost,
I'd tell him more, if he would ask it—
How they tied a baby in a basket,
While a young sailor picked and able
Moved out to steady it on the cable;
And if he needed more recital
To admit a mongrel without title,
I'd get down low upon my knees
And swear before the Holy Keys,
That judging by the way you swam,
Somewhere within your line a dam
Formed for the job by God's own hand,
Had littered for a Newfoundland.
I feel quite sure
that if I made him
Give ear to that, I could persuade him
To open up the Golden Gate
And let you in; but should he state
That from your legs and height and speed
He still had doubts about your breed,
And called my story of the cable,
"A cunningly devised fable",
Like other rumours that you've seen
In Second Peter, one, sixteen,
I'd tell him (saving his high station)
I scorned his small adjudication
And, where life, love, and death atone,
I'd move your case up to the Throne.
Vol. 1 (November 1920), 55


text:
H.R. 333, The Disabled Veterans Tax Termination Act (59 comments ↓)
- This item is from the 110th Congress (2007-2008) and is no longer current. Comments, voting, and wiki editing have been disabled, and the cost/savings estimate has been frozen.
- This bill, or a similar bill, was reintroduced in the current Congress as H.R. 333, The Disabled Veterans Tax Termination Act.
H.R. 333 would amend title 10, United States Code, to permit retired members of the Armed Forces who have a service-connected disability rated less than 50 percent to receive concurrent payment of both retired pay and veterans' disability compensation, it would eliminate the phase-in period for concurrent receipt, and it would extend eligibility for concurrent receipt and combat-related special compensation to chapter 61 disability retirees with less than 20 years of service.
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Visitor Comments
JBJanuary 19, 2007, 2:47pm (report abuse)
Why would anyone vote against this? Unless they are not a Vet or don't know anything about being in the military. It is about time we did something for our vets before they are in their graves.
WSJanuary 20, 2007, 9:42pm (report abuse)
If we can find the billions for all the different welfare programs in this country, we can certainly find the money for this... This costs me about $ 225 per month... It's a disgrace...
Charlie WilliamsJanuary 24, 2007, 8:59pm (report abuse)
This bill wpuld correct the unfairness in military and VA disability for everyone finally
LjamesJanuary 26, 2007, 10:56pm (report abuse)
Finally. Thank you from a Desert Storm Retired Disabled Vet who has to give up my retirement pay to receive Disability Pension from the VA because they PDRL'd me after 12 years instead of letting me stay career.
jeff mJanuary 29, 2007, 9:59pm (report abuse)
Contact your Rep. about this bill. The more they here from the public about it the better.
Bob CravenFebruary 5, 2007, 11:35pm (report abuse)
Longevity should have no bearing on eligibility for CRSC, Chapter 61 veterans who have recieved the Purple Heart should not be excluded from the CRSC benefit. Two WIA soilders with both legs blown off, one with 20 years of service and one with 4 years of service are both WIA, length of service should not matter, its time to stop discriminating against chapter 61 veterans, the President and Congress have disgtraced this Country by excluding these veterans, additionally, chapter 61 veterans who recieved the Purple Heart should recieve benefit pay amount for CRSC as the 20 year veteran.
Jess RFebruary 26, 2007, 4:42pm (report abuse)
I think it is a fine bill, but I think the 2.5 percent thing is wrong. It should be that they deduct 2.5 percent from your disability DOD disability rating for each year under 20 years. In my case 60% from the Navy (17 yrs 7 mos 17 days) would be 54% of base pay from current active pay scale. Not to go below 30% for any person retired under Chapter 61.
LT KMarch 1, 2007, 12:46pm (report abuse)
i was chapt 61 with 19 years 4 mos and 17 days of service... wounded in Iraq. Had i known what i know now, i would have stayed at walter reed another couple of months. the current system is unfair. I get gypped because i wanted to see my family and get on with my life as the army didn't want me any more...
i was serving a 6 year commitment and would have finished over 22 yrs had i not gotten crippled.
MikeMarch 6, 2007, 6:54am (report abuse)
veterans always get shafted, we're talking about pennies, we're spending 2-3 billion a week on a war but unable to take care of veterans. and yet your future as a vet is in the hands of many who never served. we were there to defend and this is how we're treated but you can bet Congress has the best retirement policy, the best medical care and we're paying for it out of the money we almost get.
Timothy R. Stephenson, USN, Ret.March 12, 2007, 3:12pm (report abuse)
I do not think most people understand what it means when a person; no different than anyone else, signs thier name and recites the vow to protect and defend thier country.To give thier life! It's a sacrifice! This GREAT country has renewable resources yet life is a one chance deal. What price can you give life? There are no boundries yet those who have not served set them don't they. Politicians make law.They claim to serve the public As I see it, they're self serving. Let them live on what a vet receives. What's in our conscious is worth the pittance alone. We deserve every damned cent we get; earned!The rest of the countries peoples should in turn bleed the color of green for us by giving us our needs without the bureaucratic bulls*** we get. We the people, bled Red White and Blue for you. God Bless America, God Bless us all.
Timothy R, Stephenson, USN, Ret.March 12, 2007, 3:26pm (report abuse)
I wanted to say one thing more but I had to wittle my words down to 1000 measley characters "boundries" Anyhow. When I joined the United States Navy. I joined! I became a part of something much bigger than it's parts; I became whole. When I did this, I gave 100%..........When I was disabled. I expected the same! I suppose I raised the bar too far and expected to much. It's comforting to realize that my life is not worth but the 40% I now receive. I put the paper in to get it raised but they shot it down. I'll have to keep trying wont I; least till I'm dead and off the beggers list. All vets deserve 100% Life is life. We could live a long one or die, be killed in a moment within.
Jerri DementerMarch 13, 2007, 4:37pm (report abuse)
My husband is PO2 Alan Dementer. He has served in the military for over 16 years.
He was wounded over in Iraq in 2003 while saving the lives of other military members. He was given the Purple Heart for his injures and the Bronze Star for his bravery. Then he was forced out of the military because he was no longer deployable.
Today we were given another slap in the face. We have discovered that Alan is one of many military members who will be denied their military retirement because they could not stay in for 20 years. When a military member is injured in a war and then denied what should be rightfully theirs I think that it reflects on how little this country appreciates what our military goes through. We were not prepared for him to retire and we were not expecting to lose his pay. He was forced out of the military he did not choose this.
Bernard J. JungeMarch 15, 2007, 6:59pm (report abuse)
I've Paid over 94000 dollars to date for my military disabilities. Lets get it done before I die.
ROBERTMarch 19, 2007, 10:17pm (report abuse)
Les ThompsonMarch 26, 2007, 9:28am (report abuse)
Considering that military retirees executed their part of an agreement with the government and made a career out of serving their country they MUST be paid in full the retirement that government agreed to.
Then considering that a person has a service connected disability and is therefore entitled to disability pay is a completely separate issue. The individual did his or her part in both areas and are absolutely entitled to both payments without ANY encumbrances. A deal is a deal. A contract is a contract.
End of Story.
Disabled Navy in texasMarch 26, 2007, 5:43pm (report abuse)
I was "retired" from the navy following 13 years of service and given a lump sum severence...I am currently PYING back that severence by not receiving my disability payments from the VA (30%) How would this bill effect me?
Texas againMarch 26, 2007, 5:43pm (report abuse)
How can I find out my outstanding balance and what va Disability payment would currently be?
RichardMarch 31, 2007, 9:02pm (report abuse)
What is the difference between this bill and HR 89? I had 17 & one half years active and could not continue because of totally disableing injuries sustained during a peacetime training exercise. Thanks in advance to all lawmakers that will sign & support the bill. Especially Senator Harry Reid (D)Senate Majority Leader from Nevada. Too many Disabled Veterans and their families, have been deserving of this benefit for too long. firstname.lastname@example.com
Army VetApril 6, 2007, 9:09am (report abuse)
Hurry up and wait boys.
Disabled since 88.
Still waiting.
Navy vet now in IraqApril 21, 2007, 9:28am (report abuse)
Let's get this one voted in by some people who understand what it's like to serve!
Gary D. Robinson SFC(RET)April 28, 2007, 10:26am (report abuse)
I was retired with 40% and had over 17yrs AD. this bill should have been passed decades ago. It is not our fault that we were injured and could not finish our 20years in so we should not be penalized for it. We need this money so we can provide a quality of life for our families. Most of us are unabled to work and cannot supplement our disability payments. I urge everyone whether they are veterans or not to please ask your representatives to pass this bill.
A-RobMay 2, 2007, 11:50am (report abuse)
I am a 16yo and my Dad is a disabled vet who had over 17yrs in Active Duty and 4 yrs in the TDRL. He was always doing things like coaching my soccer, baseball and football teams as well as running marathons and was very athletic until his injury forced him to be medically retired. He initially was awarded 20% by the MEB but he appealed and got 40%, went to the VA and they awarded him 100%. He joined the Army at 17 and was 39 when retired. I cannot believe that someone who spends almost half his life in the service and lost his mobility for the rest of his life is not compensated for it. I urge all who see this to contact your city, state and federal reps to make sure this bill passes and becomes a law. they were there when we needed them so lets make sure we are there no for them
Gary D. Robinson SFC(RET)May 2, 2007, 12:17pm (report abuse)
I also believe that this bill should be made retro active to the date that the concurrent receipt bill that was passed became official.
Mike (MMC USN RET)May 4, 2007, 1:33am (report abuse)
NAVY DISABLED IN TEXAS, I am sure if you go to "disabledvet.com" you should be able to find the information you are looking for. It is called Glen's homepage for disabled vets, don't let the dogs on the opening screen fool you, he has a lot of good information and links on his site. Good luck.
Steve H. USMC-retMay 4, 2007, 1:28pm (report abuse)
This title 10 law is over 100 years old. It is a travesty that it is law. The Govt. thinks that if they pay you retired pay, it is paying you two disability payments, VA and Ret. pay. I was med. retired in 1972 after stepping on a land mine in Vietnam. I lost a foot and other medical injuries. In the last ten years I've had 15 surgeries because of my injuries. I'm 100%plus VA. Their is HR333,HR89, HR303,HR243,HR1436,S439,S558 all in this congress. All addressing Chapter 61. One of these has to pass. HR303 has most support. I've been waiting 35 yrs. Pound your Reps and Senators. I like HR243 or HR333 personally. Semper Fi.
wayneJune 9, 2007, 12:09pm (report abuse)
i am a 22 year vet 2 tours nam one of iraq and even croatia now fighting congress for my 20 percent will it ever end?
JIMJuly 27, 2007, 6:07pm (report abuse)
DISABLED VIETNAM VIET,When I was laying in my bed at Walter Reed i was told that i was going to be medically retired from the army. At the same time they said i would receive the same benefits as a retired soldier with 20 yrs.or more service. My disabilities are right leg AK amputation,left leg stiff at the knee and in the last 10 yrs i now have heart disease,type2 diabetes and Hep.C virus.I would like to see HR333 pass or any of these other bills that will help the vets.
AaronAugust 28, 2007, 7:32pm (report abuse)
This is Sooo unfair to veterans everywhere.
WayneJSeptember 17, 2007, 5:35pm (report abuse)
I was PDRL'd 40%(Chpt 61) in July 1990. This came after fighting for my retirement, over a one time lum sum severence. The disability was for HNP Lower Back. They refused surgery while on AD, but 9 months later operated and made life bearable. I had 18years, 11 months, 29 days total service. Under the standards they have today I could have stayed on AD and retired as planned. I am now 70% service connected and don't draw much of my retirement, because I draw VA Disability. I am pending IU and if I receive it, I will not draw any of the retirement I served all those years for. Still I will draw more than I am making now. But what good is it since I am not able to enjoy the things in life I should be able to at 55, because I gave my best years to the military to support and defend. I WRITE MY CONGRESSMEN EVERY WEEK AND LET THEM HEAR MY CALL FOR THEIR SUPPORT. WE NEED MORE OF YOU TO DO THE SAME. (Remember the squeaky wheel will get the grease.)
KeithOctober 16, 2007, 4:16am (report abuse)
TDRL in 1980 at 30% PDRL at 80% in 1985 as E4 100% VA since 1980 never seen a dime of retirement wasnt wounded in combat 51 weeks active duty made E4 up for O3 became disabled
keith (again)October 16, 2007, 4:40am (report abuse)
no job no insurance no retirement since NAVY,this bill wont give me My RETIREMENT which navy says is mine either not a vet by most vets orgs either
JaredOctober 16, 2007, 5:02am (report abuse)
I say if the DOD says you deserve retirement, you should get it period, no offset for anything They already took into account both your time in service and your disability AND HOW YOU BECAME DISABLED when they gave you retirement status Why should you now get a penalty for becoming disabled. If thats the case why even waste the time just kick you out with nothing OH SORRY THATS WHAT THEYVE BEEN DOING TO ALL OF YOU FOR A LONG TIME
Stan OliphantNovember 1, 2007, 3:22am (report abuse)
We need every veteran to stand up for this bill. We as veterans must stand together, for it seems we are the only people that cares about us.
I am a Texas veteran I am requesting that the Texas veterans association form a contact phone hotline and e-mail directory so we can commicate with each other about this very important bill for all veterans. The congressman for my district is Louie Gohnert. This should also be a issue for any cancidate running for president. I have observed the debates from both the Democrates and the Rebulicans however; this question never comes up. We need to send letters to ABC News, CNN News, Fox News, CBS News, and any other news company let our voices be heard. If a canididate will stand for the veterans than we should not vote for them.
My email is firstname.lastname@example.com
JerryNovember 8, 2007, 5:34pm (report abuse)
I like so many other Vet's are sick and tired of getting a crumb tossed to us and then making us feel like it was favor. It's time these politicians understand we will no longer tolerate this kind of behavior towards us Vet's. We need to stand together bombard your state representatives and let them know that we will NOT go quietly and we will use our voice in the form of the vote to relieve these high paid politician's of duty when the time comes. I'm sure they really don't care anyway. They can collect a very nice pention after there 4 year tearm and go on there speaking tours to make some extra money. AWWWWW my heart bleeds for them.
Keith US, Army SFC (RET)December 7, 2007, 6:09pm (report abuse)
I, a disabled vet like so many others, feel that this bill should pass. My father, father-n-law, and I, have served this great country for 20 years plus each in the U.S. Army and all came out disabled. It is truley a shame that many others do not support this bill, though it may not be alot of money for some, it may be all that they after defending others.
28yrs chapter 61December 16, 2007, 8:07am (report abuse)
100%disabled vet. been (RETIRED)28yrs. VA Comp is equal to the Nat poverty level. Try to raise a family on that. I never had a chance to be a career Marine.
Ed USMC-RETDecember 22, 2007, 10:57pm (report abuse)
At 16yrs and 9 months I enlisted for 4yrs active 2yrs reserve thinking career at that time. Four days after turning 17 I was in boot camp, at 18 I was on hill A1 north of Quang Tri and wounded while on combat patrol. At18 and 6 months I was medicaly retired form Philadelphia Naval Hospital with so called full retirement benefits at 30%. The VA rated me at 100% from the day of retirement,CRSC would be a welcome benefit and I for one strongly beleive earned by 20yr and chapter 61 retirees.
Brittaniya - Spouse of Ret ArmyDecember 25, 2007, 10:02pm (report abuse)
My husband was injured and medically retired due to medical malpractice by an Air Force doctor after returning from Iraq. He was planning on going Special Forces in the fall and finish out his 20+ years in the service.
Then we find out we can't sue for medical malpractice because of the Feres Doctrine.
Then we find out he doesn't get his retired pay and his VA....Like we were told he would be paid like a 20 year vet.
So now we get our 80% plus unemployability from VA but nothing else. My husband lost complete use of his arm, has severe PTSD and will probably never be able to go back to work.
PLEASE....PLEASE...do everything you can to get this bill or one like it passed!!!!!! My husband...our family...and all medically retired veterans deserve this....no matter if they served 6 months or 30 years...if they fought for this country and lost pieces of themselves because of it...they deserve to be paid their worth!!!!!!!!!!
Ed-USMCFebruary 6, 2008, 9:15am (report abuse)
2008 NDAA is law and CRSC is extended to Capter 61 retirees with less than twenty years of service. Congratulations to my fellow Chapter 61 retirees, now lets help out our fellow retirees with CRDP for those not combat related with less than twenty.
Chief Mac-USN AviationFebruary 7, 2008, 5:27pm (report abuse)
Keep fighting the good fight! Don't forget to email the White House also! If it's still not passed when John McCain is elected, don't forget to email him, too!
AndrewFebruary 11, 2008, 11:12pm (report abuse)
Desert Storm Vet, 2 years active duty. Never had a chance at a career. Nearly killed in the line of duty May 29 1992. 100% from the VA. I, we deserve crsc.
Bill Retired USAFFebruary 12, 2008, 6:02am (report abuse)
Look at it this way, where in the commercial society do you see anyone paying for their disabilities? NO Where! I earned that retirement and if I was injured by the service then the VA should pay me for it! Seperate from ym retired pay.
MercFebruary 12, 2008, 5:14pm (report abuse)
Are we all STANDING UP FOR THIS TO PASS!!
Man we really gotta push this hard.
18 years -11 months -100% P/T IU... Two daughters to support - This is killing me.
Craig Mayberry USN(RET.)February 20, 2008, 4:30pm (report abuse)
This is the same thing as a disability payment anywhere. If you are injured on the job we don't just kick you to the curb. People who put their lives on the line for others should be compensated as medical retirees as well as with disability payments. There should also be a floor of $35000.00 in oder for them to be able to live at a minimally comfortable level in the richest nation on God's green earth.
MercFebruary 28, 2008, 4:13pm (report abuse)
VERY WELL SAID MR. Craig Mayberry.
Thank you!
KenMarch 6, 2008, 6:43pm (report abuse)
I feel that all 100 percent disabled combat related veterans should received both their disability payment and their retire pay too.
KENMarch 6, 2008, 6:47pm (report abuse)
I feel that all 100 percent disabled combat related veterans should received both their disability payment and their retire pay too.
JayMarch 7, 2008, 7:36am (report abuse)
Like many of you I am frustrated with the sub standard care forced upon us through the VA. I can only hope our politicians would watse the remaing time of thier lives begging for compensation for service to our Country. I would love to give my lousy 40% tax break on my retirement back to the VA stuffed sidways where the sun dont shine just to have a chance to finish my life wishing I could just be healty. I am ashamed to say I am a disabled American Vet. The system that was created is more than unfair, it has taken away my pride in stating I retired from the most powerful Military on our planet.
JohnJune 12, 2008, 5:29pm (report abuse)
Where are they at with H.R. 333? and from what you have read what are the chances of it passing?
EricJuly 19, 2008, 11:56am (report abuse)
A firm hand shake to all the Vet's out there. I am in the same situation with 3 back surgeries in 1yr. I am going to do my best to push for this to pass. This is not only right but you have already earned and payed for these benefits. Keep up the good fight!
Pete AMS3 US Navy RetiredJuly 21, 2008, 5:15pm (report abuse)
I have been disabled since 1975 in a non combat related injury. I have given up my Navy retired pay to draw the Va disability compensation for 100% disability rating. I am no drawing Social Security Disability because I can no longer work in my new work field. I am still waiting to be able to draw my Navy retired pay that my disability serving my country entitled me to. Chapter 61 disabled veteran for over 33 years.
Broken Heart MarineAugust 3, 2008, 5:52am (report abuse)
After 13 years of service and a tour in Iraq I had open heart surgery and was plced on TDRL with a rating of 30%. I have been fighting Headquaters Marine Corp since 2005 to keep that. If I am not world wide deployable how can they say I am a 0% rating. All I want is to be retired from an Organization that I devoted my life to from 1992 to 2005. I feel I deserve to be retired. I have a family of 4 and am doing everything in my power to provide for them. We all need to put the preassure on congress to pass this bill.
NickAugust 6, 2008, 10:50am (report abuse)
Where are they at with H.R. 333? and from what you have read what are the chances of it passing?
Retired?August 18, 2008, 9:14am (report abuse)
Retired 14 years,TDRL 5 years, Army decided !00% service connected. Had head injury from rough terrain in combat vehicle.!985 was date of injury, have to prove how injury happened for CRSC. Brain injuries are not recognizable right away. They call this TBI today!Never see any retirement pay!
PVA ChrisSeptember 4, 2008, 6:39pm (report abuse)
I support allowing all disabled whether during peacetime or Combat. The timing of when you are disabled doesn't make you any more and definitely not less than anyone else. I was disabled on active duty while awaiting to go back full time on Active Duty. I have twelve years combined service of activ and reserve. unemployability should be consiidered if allowing all those disabled is not considered. I am rated 100% Permanent by the VA. I have been rated 100% during my entire disability. I have been enlisted, an NCO for eight years and a commissioned officer at the time I was disabled
JamesSeptember 15, 2008, 10:33pm (report abuse)
I'm a 100 percent disabled vet. After 7 years of begging I finally received a surgery on my spine that has changed my life for the best. I had migraines almost daily, and guaranteed if I did any physical activity. I won't even get into the pain. VA doctors insisted for 7 years surgery on my damaged spine would do no good. Two days after a civilian they outsourced me to fixed me(after years of red tape and pleading), I felt better than I had since my injury. Its been three months and I feel like I could serve again if the Army would let me. I'm thankful the VA finally took care of me... but I can't understand why it took so long.
Henry P. CambareriSeptember 29, 2008, 7:23am (report abuse)
I don't understand why two different issues are being lumped together, penalizing the veteran. #1. Retired pay is earned for longevitiy of service in the armed forces and is payed to the vet for completing 20 years of service.
#2. Disability Compensation is awarded to a veterean for a service connected disability incurred while in the service of his/her country.
In my minde these are two sepearate and distinctly different circumstances and should be treated as such.
jimSeptember 29, 2008, 9:02pm (report abuse)
it all comes down to dollars and cents
BrianOctober 15, 2008, 3:16pm (report abuse)
Nearly 2 years and still in committe. And they claim they support it, who they kidding.
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The Buffalo Bulls Profile...Team Chat
Conference: MAC
Mascot: Bulls
School Colors: Blue and White
Athletics Site: http://www.ubathletics.buffalo.edu/
We have identified 12 game(s) that have issues with their history.
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Have you located a problem with the data shown? Please go to "Past History", select the appropriate decade, then year and then report it from there.
Web & Fan sites for Buffalo
Buffalo Conference Changes over the years...
Buffalo Championships/Crucial Games won...
The 2016 ScheduleTeam Chat
Opponent Standings for 2016 & 2015
All time records vs. MAC teams
MAC Standings for 2016 & 2015
Buffalo Bulls Biography / HistoryTeam Chat
Buffalo Bulls Statistics / Other links...Team Chat
All records are in W-L-T format. Please see the Helpful Info tab for important info on stats below.
First Game: Hobart (L, 6 - 12)
Overall Record: 395-543-28 (966 Games)
Record at home: 251-247-20 (518 Games)
Record at Neutral Locations: 3-5-1 (9 Games)
Highest Scoring Game: at Michigan, on 1901-10-26. Total points: 128
Biggest Victory Margin: Hobart, on 1918-11-16. Final Score: 81 - 0 (81 Points)
Biggest Defeat Margin: at Michigan, on 1901-10-26. Final Score: 128 - 0 (128 Points)
Longest Consecutive Winning Streak: 10 Games
Longest Consecutive Losing Streak: 2 Games
Record in Shutout games: 119-145-15 (279 Games)
Record in Conference Championship games: 1-0-0 (1 Games)
Record in Bowl games: 0-2-0 (2 Games)
Record in Overtime games: 8-5 (13 Games)
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Coal India wants to buy Gandhi's SAfrica home
Coal India Ltd will make its second attempt to buy the house of Mahatma Gandhi in Johannesburg.
Kanpur: The state-run Coal India Limited will make its second attempt to buy the house of Mahatma Gandhi in Johannesburg, where he had lived for over a year, with the desire to build a memorial there.
The PSU had made its first attempt to buy the house of the Father of the Nation in August 2009 when some officials learnt that it was up for sale. But the owner of the property had decided to sell it to someone else.
However, the house could not be sold as it was not registered then.
Union Coal Minister Sriprakash Jaiswal told PTI that he will be going to South Africa in this connection on January 4.
"The owner of the house has expressed her willingness to talk to us regarding our proposal to buy Gandhiji's house and build a memorial there. I will leave for official work in Mozambique and South Africa on January 4 and will talk to her during my visit to Johannesburg. Hopefully, we should be able to buy the house this time," Jaiswal said.
Officers and other employees of the 'navratna' company have volunteered to contribute a day's salary each in order to collect money to buy the Gandhi memorabilia and preserve it, he said.
Mahatma Gandhi, who went to South Africa in 1893 to handle a legal case in Pretoria, moved to Johannesburg in 1903. After living in rooms behind his office on Rissik Street for some time, he moved into his partner Henry Pollak's 34 Grove Road house, which still stands.
The Coal Ministry wants to turn the house - of jolly yellow colour with a green roof and a bignonia and plumbago hedge, into a Gandhi Memorial.
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text: Here comes Thanksgivukkah By Rachel Molenda November 25, 2013 Story Share Chip Ellis Marc Slotnick hangs a Hanukkah banner in his family's dining room as Ellen Slotnick supervises. Chip Ellis A ceramic turkey with brightly colored candles that take the place of tail feathers is the Slotnick family's dinner table centerpiece this year. Ellen Slotnick thought the figurine -- called a menurkey -- would be fun since the second night of Hanukkah is the same day as Thanksgiving. Chip Ellis Yellow dreidels hang from Jennifer Slotnick's ears. Chip Ellis A variety of menorahs sit atop the hearth of the Slotnick living room. Ellen Slotnick is an avid menorah collector and puts them on display every year during Hanukkah. Chip Ellis Mounted chef figures match the d�cor in Ellen Slotnick's kitchen, but a closer look reveals the object is actually a menorah. CHARLESTON, W.Va. -- Ellen Slotnick of Charleston pulled out all the stops for Hanukkah, which begins Wednesday evening. A basket of dreidels sat atop a kitchen shelf, while menorahs were placed throughout the home.The centerpiece of the Slotnick family dinner table? A painted pumpkin was paired with a ceramic turkey holding eight brightly colored candles that took the place of tail feathers.A ... menurkey."I thought it would be fun," Ellen said of the holiday hybrid menorah.This year marks a once-in-a-lifetime event: Thanksgivukkah.The term has been woven into recent media coverage of the convergence of Hanukkah and Thanksgiving -- an occasion that hasn't happened in 125 years. It's not set to happen for thousands more.Joni Deutsch, a student at West Virginia University and a Charleston native, said Hanukkah and Thanksgiving are more alike than the Jewish festival of light's usual perceived counterpart of Christmas."Thanksgiving is the Puritans and pilgrims coming over and trying to escape religious persecution," Deutsch said. "And then Hanukkah ... you have the Maccabees fighting to retain their Judaism and as a family staying together and as a tribe staying together."Hanukkah is an eight-day commemoration of an ancient revolt against Syrians, who attempted to conquer and expand their influence in Jerusalem. The Maccabees -- a Jewish family who fought for independence -- successfully reclaimed the city and its holy temple after decades of fighting.But the miracle that Hanukkah embodies is that of the temple's holy oil. While it was expected only to last one night, it burned for eight until more oil could be brought to the temple.Oil-rich foods, such as donuts and latkes (fried potato pancakes) are passed around the table during Hanukkah, said Marc Slotnick, Ellen's husband. Food is an integral part of Jewish holidays, even minor ones like Hanukkah, he said."We love to eat. We all love to gather and eat," Marc Slotnick said. "Why do we have a big turkey dinner? It's because it's a way for the family to get together around food." While the Slotnicks will be celebrating Thanksgiving with Ellen's brother's family, they are hosting a Hanukkah dinner on Friday. Marc has been asking himself an important question in preparation for the meal."How do we combine those traditional Thanksgiving-type foods with traditional Hanukkah foods, or Jewish foods for that matter?" he asked.The couple has been collecting recipes in hopes of creating some inventive twists on traditional Jewish fare: pumpkin challah (a braided bread eaten on Sabbath and holidays), curried latkes (to appeal to a vegetarian daughter) and challah stuffing. Deustch said her family's Thanksgiving dinner might take on a Jewish flavor, as well -- replacing mashed potatoes with latkes and having matzo ball soup alongside the turkey."That's going to be a great hybrid of food," Deutsch said.Family is a major focus of Jewish holidays, and Hanukkah is no different. For Deutsch, as well as the Slotnicks, it's not often everyone is able to be together for the holiday. This year's early date is changing that. Frannie, the Slotnicks' eldest daughter, will be home for the majority of the holiday. With that time off, she and Jennifer -- her younger sister -- won't be on the move as much, the Slotnicks said."Between dance and homework ... it can be tough to fit in the menorah lighting," Marc Slotnick said.For Deutsch, this part of the tradition is most important. Keeping a menorah in her apartment at school, Deutsch said she and her parents traditionally made time to light it together over the phone. The Slotnicks lit theirs together last year via Skype, Marc said.The Deutsch family has even made it a priority while traveling, employing do-it-yourself efforts by fashioning a menorah from aluminum foil."The problem with bringing candles and a menorah with you through TSA is they'll be like 'What are you doing?'" Deutsch said, laughing.Sue and Bob Rubenstein, self-described "Tucker County mountain Jews," plan to have a quiet Thanksgiving and Hanukkah celebration with their youngest daughter in their Canaan Valley home."For years, the Rubenstein brothers did get together for Thanksgiving," said Sue Rubenstein.Those family gatherings have become more complex as each family's children have grown, said Bob Rubenstein, Sue's husband. Balancing has become a key priority for the Rubensteins."[We] don't try to make this any bigger than it really is," Bob said of Hanukkah and holidays in general. "[We] just enjoy it."Growing up in a small community, the Rubensteins were struck by the elevated status of Hanukkah in more populated parts of the state. When the family moved to Charleston, Hanukkah "seemed like a bigger deal," Bob Rubenstein said."Part of it is because of the commercialization," Bob Rubenstein said. "Back when we were still in Tucker County, it was like: get together and make some potato latkes, play dreidel a little bit, light the candles. But it wasn't something you were thinking year-round, 'Oh I can't wait for Hanukkah next year.'""It was really more the spirit of giving and being part of family," Bob Rubenstein said.Marc Slotnick suggested Hannukah's early appearance might distance it from the Christmas season of which it has become associated."Maybe this year it changes Hanukkah into more of a family celebration," Marc Slotnick said. "You don't have that rush to go buy gifts and do all those things you might do in December as everyone's caught up in gift-giving."Deustch referred to this year's holiday hybrid as "a two-for-one.""Hanukkah and Thanksgiving, they're the holidays we really try to spend together as a family as much as we can," Deutsch said. "On one day, we will definitely be there with each other."Reach Rachel Molenda at firstname.lastname@example.com or 304-348-5102. Story Share Story Share Trending Now 1 WV Sens. Manchin, Capito concerned about Trump's budget 2 Kanawha Commission OKs Shawnee Multi-Sports Complex 3 WV groups hope study leads to end of mountaintop removal mining 4 Gulf in WV budget talks widens as special session continues 5 50 years ago, team from tiny Normantown High set still-standing international record City Council committee advances fine-only prostitution ordinance Previous Story Obama pushes back against critics of Iran deal Next Story


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What is the definition (and part of speech) of this word and use it in a sentence: Viridity?
1 Answer | Add Yours
Viridity can mean green, as in color or youth. For example, you can praise the viridity of the lawn, or the viridity of a young lady.
Viridity is a noun, which usually means it is a person, place, or thing. In this case, it is an idea.
In the spring, I am inspired by the viridity of the grass and trees.
In this sentence, viridity is the object of the preposition, a noun.
It has a Middle English origin, based on the Latin word viriditās, which means green.
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Thursday, August 15th @ The Frequency
Icarus Himself - second show as a 4-piece! https://www.facebook.com/icarushimselfofficial
Rupert Angeleyes (MN)- Sleeping in the Aviary dudes' other band!
https://www.facebook.com/pages/Rupert-A ... 9992700528
Teenage Moods (MN) - Floral Rock, Sugar Pop, Hard Cute!
https://www.facebook.com/pages/Teenage- ... 7587264018
TT & the Night Owls - Tom Teslik-style indie rock!
https://www.facebook.com/pages/TT-the-N ... 9736647857
Starts at 9pm. $6
ICARUS HIMSELF, RUPERT ANGELEYES @ The Frequency 8/15
Got a gig coming up? A CD coming out? A new bass player who looks like Jesus and smells like a field of posies? If you're selling or promoting something, post it here.
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Article Preview
Photos Recall a Mercantile City
By HILTON KRAMER ();
November 03, 1976,
, Section , Page 53, Column , words
In a gilt-glittering rococo ballroom, the elegant new models of automobiles, that is repose on sumptuous carpets: It is the 1914 auto show at the Actor Hotel. In the Waverly Place offices of Success magazine, the bearded proprietor outfitted in striped trousers and morning coat sits at an immense rolltop desk, both the man and his solidly appointed surroundings looking in every detail
November 03, 1976
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Dripping Springs Wedding at Camp Lucy from Luke and Cat PhotographyThere is so much to love about this rustic + vintage Camp Lucy wedding, I'm just not sure where to start. Months of thrifting and crafting culminated in a perfectly themed "country fair" celebration where not a single detail was missed. From the personalized
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The Philadelphia Eagles are interested in having TE Visanthe Shiancoe and TE Jeremy Shockey visit with the team in order to gauge their fit within the Eagles locker room. The Eagles appear to be "seriously considering" picking up Jeremy Shockey and although he has detractors and may not be a solid fit for Philadelphia, some believe he could be a cheaper option than Visanthe Shiancoe who recently turned down a one year deal with the Seattle Seahawks for $1.2 million.
Fantasy Analysis:
Even though it seems like Philadelphia might be taking a chance on a splashy name, the Eagles still have TE Brent Celek who is coming off of a season with nearly 100 targets, over 800 receiving yards, and 5 touchdowns. Celek is nearly 4 years younger than both Shockey and Shiancoe and appears to have developed quite a rapport with QB Michael Vick. Shockey and Shiancoe are both on the far back end of their careers with the hope of one more season hinging on their assets of NFL experience and large body frames. Even if the Eagles sign one of the two TEs, look for them to be nothing more than a supplement to Celek because neither TE has been terribly productive over the last couple of seasons. In addition, Shockey has a history of battling the injury bug. Both TEs have zero fantasy value; however, Celek on the other hand is at least worthy of a pick somewhere between rounds 11 and 14 in redraft leagues.


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To Curb Pollution and Traffic, Beijing Will Further Limit New Car License PlatesChristina Larson
Zheng Peng, a 22-year-old car salesman in an oversized black suit, works on the showroom floor of a Nissan dealership in central Beijing. He says business overall has been good lately, but that many potential customers—including himself—haven't yet bought cars because they can't obtain license plates through the city's infamous lottery system.
Beijing's lottery for car license plates, instituted in 2011, is designed to control the number of vehicles on the road and to curb the growth of both traffic congestion and pollution in China's capital. According to a report on Tuesday in the Beijing Youth Daily newspaper, that lottery is about to get even more stringent.
Next year, Beijing's municipal government plans to issue only 150,000 new license plates, down from 240,000 this year. The number allocated will shrink each year until 2017, when just 90,000 new Beijing plates will be issued to standard vehicles. Additional license plates may be available for "clean" vehicles, such as electric cars or cars running on natural gas.
While Beijing has already closed most large polluting factories within city limits and converted heating systems from coal to natural gas, the city's shroud of smog still lingers. The fast-rising number of vehicles is a significant source of pollution, and local environmental authorities estimate that auto emissions may contribute about 25 percent of Beijing's dangerously high pollution levels of 2.5 PM (particulate matter).


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The Borgen Project
1400 John R. Lynch St
Jackson, MS
Posted: June 03 2016
Always be on the alert for potentially fraudulent job postings online - never send money to a potential employer.
DescriptionThe Borgen Project is an innovative, national campaign that is working to make poverty a focus of U.S. foreign policy. This is a part-time 14-hours per week, unpaid telecommuting internship. The internship is 4-months and responsible for leading public and political outreach in the state and district assigned to.
ResponsibilitiesKey Responsibilities:
– Must be available Mondays 4:30-6:00 PM PST for The Borgen Project's national conference call.
– Meet with members of Congress and/or Congressional staffers in your State and District.
– Represent The Borgen Project at various business, political and community events.
– Assist with fundraising. Create a personal fundraising campaign and meet targets.
– Mobilize individuals to contact their members of Congress in support of key poverty-reduction legislation.
– As needed, speak to groups, classes and organizations.
– Write letters of support for key programs to political leaders, media and other groups.
– Outstanding writing skills.
– Self-starter who can produce great results with limited supervision.
– Strong oral communication skills and ability to lead meetings and give speeches.


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Talk show host phenomenon Oprah Winfrey and choreographer Bill T. Jones were among the recipients of the Kennedy Center Honors medallion that recognizes five artists each year for their lifetime contributions to American culture through the performing arts. But after over three decades, there still hasn't been an Asian American winner.
"She has shown millions of people around the world -- people she probably will never meet -- what it means to believe in 'the dream of your own life,'" President Obama told a crowd in the East Room at the White House when he presenting the honors.
Of course, Oprah's done it all, including gaining impossibly popular TV ratings and acting in Oscar-winning films. She's got her own magazine and now her own cable television network.
Meanwhile, Jones is among the most recognizable names in the world of dance. In one of his most recent performance, Jones uses spoken word, dance, video projections and music to articulate the view of Abraham Lincoln he had as a young boy growing up during the civil rights struggle. (Check out his latest piece, "Fondly Do We Hope... Fervently Do We Pray" in the video above.)
Obama's words on Jones:
Bill has earned widespread acclaim and artistic success in the hyper-competitive world of modern dance -- all while battling poverty, homophobia and racism. ... And through it all, Bill has never compromised his sense of purpose or lost his ability to inspire others to greater heights. "I'm not afraid to stand up," Bill once said. "I'm not afraid to be looked at -- making my art is a way of saying to people -- gay people, HIV-positive people -- that life is worth it."
Other recipients this year included country music artist Merle Haggard, composer and lyricist Jerry Herman , who's known for his work on Broadway musical theater, and Sir Paul McCartney.
Actress Marian Anderson (1978) and Ella Fitzgerald (1979) were the first honorees of color to receive the prestigious award. In 1996, eighteen years after the first Kennedy honor was handed out, ballerina Maria Tallchief became the first American Indian to receive the award. Placido Domingo was the first Latino to receive the award in 2000.
Although the Kennedy Center has named other awards after Asian Americans, the top Kennedy award has never gone to an Asian American.
The Kennedy Center Honors medallions were presented this past Saturday, however the Honors Gala was recorded for broadcast on the CBS Network for the 33rd consecutive year as a two-hour prime time special on Tuesday, December 28 at 9:00 p.m. (ET/PT).
But the must see clip of the evening is below. Remember that split lip Obama suffered during a recent holiday pick-up basketball game? Well, he had a little trouble with some words.


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I am very excited about the new trailor to my series, needless to say when i was sent this i must of watched it 6 times back to back.Advertisement
Gaspari have put alot of money, time and love into this and have caught alot of amazing footage . I get to see this all the time as you do, when it goes LIVE so im as axious as everyone. lol
Here is the link enjoy!
Team Gaspari IFBB Pro Flex Lewis returns to the stage after taking a year off from competition in 2010. Follow the Welsh Dragon at home in TN as he prepares to compete on home soil in London at the British Grand Prix. After a dominating victory in the UK, Flex battles adversity on the road to the 2011 Mr. Olympia 202 Showdown in Las Vegas. Don't miss this exclusive look behind the scenes with The People's Champ


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Welcome from Fort Bliss/Arizona
This is a discussion on Newbie from Wisconsin within the New Members Introduce Yourself forums, part of the Welcome To DefensiveCarry.com category; Just found this site, and thought I'd join in the fun. Got my CCW permit about a month ago and am looking to learn more ...
Just found this site, and thought I'd join in the fun. Got my CCW permit about a month ago and am looking to learn more about carrying, situational problems, etc. I have several guns, not new to firearms just to carrying them. :) currently carrying an xd40sc in a Theis holster and looking to pick up a Ruger LC9.
Hopefully I'll learn a few things from some carrying veterans!
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Welcome from Fort Bliss/Arizona
OEF Veteran
from Central Florida!
Proverbs 27:12 says: The prudent see danger and take refuge, but the simple keep going and suffer for it.
Certified Glock Armorer
NRA Life Member
Welcome from a fellow Cheesehead. Enjoy your stay.
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Welcome from Michigan!
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Greetings from Rocky Top Tennessee
When you accept mediocrity you sow the seeds for future failure.
One should never confuse good fortune with good training.
Illegitimus Non Carborundum. In God we trust.
Welcome from Virginia.
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Welcome to DC
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Welcome to the forum!!
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I had to move out of Milwaukee County. The political climate was not to my liking if you catch my drift. That said, welcome GSXR, from SE WI.
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Tickets selling out for Coachella Music and Arts Festival
General admission passes are $375 each
INDIO, Calif. - Passes for the first weekend of the Coachella Valley Music and Arts Festival sold out about 30 minutes after they went on sale Friday, according to organizers.
Passes went on sale at 10 a.m.; admission for the second weekend was still available as of 10:30.
The festival will be held at the Empire Polo Club in Indio April 11-13 and 18-20, with the same lineup performing both weekends.
The headliners are OutKast, Muse and Arcade Fire. General admission passes are $375 each and VIP admission is $799.
Other scheduled performers include Queens of the Stone Age, the Knife, Skrillex, the Replacements, Beck, Motorhead, Neko Case, Lana Del Rey and Pharrell Williams.
Advanced registration is required, and camping and shuttle passes were also on sale, according to organizers.


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American Inn & Suites
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
- Swimming pool
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- Swimming pool
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TripAdvisor Reviews American Inn & Suites Bainbridge
Travel Blogs from Bainbridge
Four States
Cold and cloudy this morning. Today's trip took us through Louisiana, Mississippi, Alabama, and Florida. Leaving New Orleans we took 90 East, instead of I-10. It parallels I-10, but is through the bayou, and a couple of small towns. Very little traffic. In Biloxi, Mississippi, we got back on the interstate to make better ...
A piece of the panhandle
... Rivers State Park; children whined and grumbled, sleepy bodies shocked by the cold as we carried them into the cabin. We noticed the astounding number of stars visible overhead (none of those cozy warm clouds to keep in some heat) but little else before we all collapsed thankfully into the pre-heated cabin.
We awoke the next morning to a beautiful and tranquil sight. Where Florida meets the southwest corner of Georgia, ...
Catching up
... We spent a week there visiting friends and had a good time. We went to Chicamaugua and went thru the museum. We rode thru the battle field but I'd like to go back some time when we can spend an entire day there. There are markers that are on the actual spot of events such as the death of a commander, a battlefield line, different states regiments, etc. As you ride down the road, you see markers and cannons in the ...
... to stay up for about 5 hours, and then slept for about 5. Landed in San Fran at 10:30 AM local time. Getting through customs with Global Entry is THE BEST. Took less than 2 minutes. The biggest hassle was the fact that I changed airlines from United to US Air, so had to get my luggage and lug it upstairs in another terminal to check it in at the US Air counter. Then I had three hours to kill. That's when I got tired! Think I fell asleep on the San Fran to Charlotte ...
On the Eve of Adventure
... a line!
This afternoon we finally got around to mowing the lawn. It's not that we are lazy. You see, it has been wet in Tallahassee lately. The original plan was to mow the lawn yesterday since Steele had the day off, but mother nature had other plans. Mother nature planned for us to mow the lawn this afternoon between afternoon showers. I sure hope that this is not an omen of what's to come.


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Al Cielo
Posted on | October 18, 2010 | Comments Off on Al Cielo
Al Cielo Hotel from del Sol Photography on Vimeo.
Al Cielo Hotel (www.alcielohotel.com) is a very quaint, beachfront, boutique hotel on the secluded and peaceful beach of Xpu-Ha in the heart of Mexico's Riviera Maya. It's location is about 20 minutes south of Playa del Carmen and 20 minutes north of Tulum.
This is truly an amazing and charming place: as you travel down the dirt path from the freeway to get there, your senses are overwhelmed as soon as you step out onto the beachfront property. First you are met with this gorgeous, dark hardwood structure on the beach with a palapa roof and as you follow the stairs up to the restaurant and reception, there is a view that will take your breath away. On the pristine white sand in front of this hotel, you will find private palapa areas with comfortable beds to lounge on and sunbathe, enjoy your lunch, whatever your heart desires.
Note that with only four rooms, if you plan to stay, reservations are a must. There are some occasions however, when you can get lucky, stop by and find one available. Each room is named after one of the four earthly elements: Water, Air, Earth and Fire and are rustic but very stylish and comfortable. It's perfect for a peaceful, luxury weekend getaway and the staff provide you with exceptional individual attention as well.
There's also Al Cielo Restaurant, famous for its fine dining and breathtaking setting, serving fresh seafood, local and international dishes. Enjoy a delicious meal from the restaurant or at your beachside paradise.
A highly recommended visit.


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Activities and services
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- Language courses
- Lodging on the premises
- Packages
Vehicle and Parking Services
- Paid outdoor parking
- Paid indoor parking
Signs and shuttles
- Subway (station)
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Open year round
- Reservations required