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Pitch Your Game: Pitching Tips from a Game Industry Catcher
Peer Reviewed by Gaiiden, jbadams, Michael Tanczos
pitch funding tips
The range of pitches I've reviewed is huge, from literally two word emails ("you like?" with an attached movie) to 30 page design docs complete with appendix detailing every mouse click. Everything from casual puzzle games to WOW clones; from someone who's never shipped a game requesting a third of a million dollars to start their business to experienced developers delivering sober and intriguing proposals. Here's my industry experience advice.
Research the Publisher
First things first – do your homework. This is true for any type of publishing, be it books or film. If the publisher is Popcap, don't pitch them the next Half-Life. If the only casual game a company has made was 5 years ago, chances are they won't fund your match three clone. Target publishers in your genre for a greater response rate. Look at each publisher's portfolio to see what they are interested in. If you do not do this work, you are wasting their time and yours. That is time you could spend targeting more likely publishers.
A Picture is Worth a Thousand Words
If your pitch contains only text, it will be scanned over, and crucial details may be missed. While it takes time to process words, visual scenes are processed quickly by the brain. And game industry people, especially creatives, are visual communicators. A quickly mocked up in-game screen will tell more about the game than a page worth of text. The more clearly you can communicate your idea, the better it can be weighed, and the more likely it is to be of interest. A picture draws a viewer into its scene — it says, "imagine this interactive, animated, and brought to life." It captures the viewer's imagination in ways that the best placed words cannot. Photoshop mock-up, programmer art, MS-PAINT, it doesn't matter – any sketch is better than none. If you have a real concept artist and include pre-production art in the pitch, it is that much stronger, and shows you put that much more thought into all aspects of the pitch.
"No" Can Happen in One Sentence
Present your high level concept first, with one sentence. If the high concept is accepted, the publisher will continue to read for greater detail. If the high concept is rejected, the publisher stops right there, and any work you did on further details for the pitch are irrelevant. For example, your high level concept may be a genre the publisher does not work with, may be something considered too risky (an MMO), or the publisher may already have a title in the works that is too similar to consider a second. Don't assume or expect the publisher to read the whole pitch, it can end at the first sentence. Which brings us straight to the next point.
Have Many Things to Pitch
Don't put all your eggs in one basket. If the publisher rejects one pitch, that doesn't mean the end of the relationship — if you have more pitches up your sleeve. Be prepared to pitch multiple different projects, and a diverse range of projects (though not all across the board and too diverse). I know one developer whose game a publisher loved. He pitched them an idea for his next game. The publisher wasn't impressed and was having second thoughts about the developer. Luckily he had a backup pitch for another game which was an instant hit, making the publisher forget all about the weak first pitch. He got signed. One game was RPG-like, the other arcade-like. The second pitch was not a trivial variation of the first, but not as widely divergent as MMO/match-3 either. By that token, don't have so many games to pitch that you're just firing in the dark and seeing what sticks. Anyone can do that and it shows no commitment on your part.
Be Professional
Your pitch should be professional in presentation, not informal. You are, after all, formally requesting publishing services and/or funding. A conversational style is indirect and meandering. If you want to be seriously considered, be serious.
Be Passionate about What you Pitch
This is harder with a paper pitch than an in-person one, but despite being professional in a pitch, passion comes through nonetheless. It's simple: if a developer is passionate about a project, they are more likely to make sure they create a fantastic product and follow through on deadlines. If they seem ambivalent, then guess what, so will the publisher, and they'll find a passionate studio elsewhere.
Know What you are Making
Know what your core game concept is. Know what elements support that. Know your design inside and out. Publishers will not pay you to experiment or prototype. Granted, your design may change through the course of development, but you are not pitching a direction, you are pitching a specific game. Make sure you know what that is and can communicate it simply and clearly. Be able to answer why you are making the game that you are beyond just "I think I will like it."
Know Budgets
I've been pitched by developers who, upon asked what their proposed budget is, said they had no idea. I've seen budgets whose only line item is "the game" with the total amount listed and no further details. Make sure you know what you are asking payment for. How much will be needed for art? For code? For administrative overhead? Are you familiar with contractor costs for these things? Do you have ballparks of man hours required for various features? How much of your budget could be saved by cutting feature X? By adding feature X? As much of this should be known upfront, not discovered later on. What's the commercially reasonable quality level that the publisher contractually expects, and how much will that cost to produce?
You can be Greedy or Stupid but not Both
If you have a great proposal, but are asking for too much money and too many "deal points" (no exclusivity, no right to sequel, no alternate format publishing) you can still be negotiated with. If you have a great proposal and at the right price, but are missing a big piece of the picture (neglecting customer service costs for an MMO, or neglecting the true difficulty of implementing a certain feature for example), you are still potentially in business. But if you are both greedy and stupid there is no reason for a publisher to work with you no matter how great your game is. There are simply far too many intelligent, humble, capable developers out there for the publisher to work within your place. This industry has a surplus of people wanting to be in it, not a shortage. Avoid these pitfalls.
Be Almost-Greedy
I am showing my indie developer colors here, but it's good advice and bears passing along. It's true not just in the video game industry but for any business deal. We have a tendency to shortchange ourselves or to expect the execution to be perfect with no bumps and fail to account for the unforeseeable. Rule of thumb, ask for slightly more than you're comfortable with. At the same time, be prepared for slightly less than you're comfortable with. Somewhere in that zone your game will get made.
License and Registration, Please
In a publisher's eyes the team you have is as important as the game or concept itself. Ask yourself these questions and be prepared to answer them: What have you shipped? What is your industry experience? What contract work have you successfully completed? Be honest with yourself. Now ask, do the answers to these match up with what you're proposing and asking for? Make sure they do. Publishers do not see just the project but the faces behind them. They need a reliable team behind the game to minimize the risk that they will not get a return on their investment. In sales it is cheaper to get repeat customers than find new ones. Publishing is no different — it is more effective to work with existing partners than identify and orient new ones. More often than not publishers are looking for long term developers to trust. If all you see is the one game, or all you're showing is one game, and not the value of the team behind it, your vision is too narrow.
When's it Shipping?
Have a timeline and associated costs for dates. Milestones can be feature based (prototype/campaign/multiplayer/final art/bugs) or stage based (alpha/beta/RC/gold) or both. There is no absolute standard except that without this information, the publisher is going to be left wondering how long your project will take. Moreover, the publisher needs to know how much you need at each of these stages so they can project their internal budget accordingly. You're not going to get paid entirely upfront, or entirely upon completion, so set your needs and expectations here, and be ready to negotiate.
Capably discuss your game's position in the marketplace. More is better than not enough. How have other games in the genre performed? What was the last succeeding similar product? How is your game similar to and unique from competing products? Who are your competitors and why is your game better? These are all important questions to answer. A pitch that is weak but that deeply understands its competitors is as likely to succeed as a pitch that is strong and dismisses or misses the mark on its competitors. Showing that you know who else has your same idea and who has executed well on it (and who has failed) tells the publisher that you are that much more likely to succeed yourself. It shows that you deeply understand your genre and have done your homework.
Now with 8-way Joystick and Second Button!
Platform matters! If it's an arcade cabinet game, how will you leverage that? If it's a cellphone game, or a web game, or a LAN party game, how will you leverage those? Miss this and nobody will notice. But include it, and get it right, it's that much more firepower to ignite the flame of a green light.
"It's for Hardcore Gamers… AND my little sister!"
Know who your target consumer is. "Everyone" or "people who like racing games" does nothing but tell the publisher that you didn't do your homework or don't really understand the game industry. There is no one right answer to this or right way to do it, but it should be some blend of age/gender/hobby/lifestyle/game preferences and the range should not be too broad. If "9 to 90″ is your "target" that's not really a target is it? You can't help but hit it. Find something and aim for it. Then find ways to strengthen the pitch for that particular market.
What you Do, Do That
Stay within your limits. A publisher is not going to pay for you to shoot for never-before-attempted feats to see if you can. Where there is money, there is by necessity certainty. Staying within limits reduces the risk of failure for both parties. If you've never done networked games, don't pitch a networked racing game. If you've never worked with physics, don't pitch a game that relies on physics as a key component.
To the Point
Stay to the point. You do need to share the plan for how you will produce the game. You don't need to detail what source control methods and what team management techniques you will use. You do need to state clearly what the game content will be. You don't need to share the plan of how you will run the details of your business and which HMO you will be choosing for your employees. Stay relevant to the publisher. If you need an affirmative pat on the back for the details of your other plans, get that from a fellow developer or a friend, not from the publisher. They have neither the time nor the interest.
Business is Business
Don't get personal or take things personally. The games industry is a business. The people reviewing your game are not there to make you feel good about yourself, they are there to further mutual and legitimate business interests. They are in that business because it satisfies personal interests they have, including creative and social ones, but that does not make things personal. You will make friends, and business relationships blur into social relationships, but at the end of the day, and especially with a new potential partner, business is business.
Don't Ramble (like me)
Less is more. Publishers get dozens of pitches a day. Your pitch is not an essay or book. The more text you have, the less likely they will read it. If your "killer feature" is buried on page 28 in section 3 subsection B, they will never get to it. Make bulleted lists and summarize things until more detail is requested. Your first pitch should be three pages: an introduction letter, a one page overview, and some mock-ups or concept art (ideally with a link to a demo) with an invitation to see more if there is interest. You have all day to write up the most detailed proposal on earth. Publishers do not have all day to read dozens of them. And they get only dozens a day if they're lucky. I've heard of publishers that field hundreds every day.
The more relevant you can be to the publisher's history the better. Do your homework. For example if they made a hit FPS game, acknowledge it or try to tie your game to it ("like your game X, my game has an emphasis on team co-op"). But don't go to absurd lengths ("like your game X, my game also has graphics!"). Yes, this is partly ego-stroking. And yes, it does work (but will only get you so far).
Your pitch should be original. As soon as it's "X but with Y" most publishers will no longer look at what you're doing, and will instead focus on who you are. Anyone can come up with "X but with Y" but only a very talented team that knows what it's doing could pull it off. If the best you have is a rip-off of an old game with some different features, or a mash-up of some popular games, don't bother unless you've successfully done it before.
Orson Welles Syndrome
Be flexible with your features. This isn't about the publisher trying to creatively control your project. They don't have the time or desire to do that. If a publisher is interested in your game, but wants to scale up or down, react accordingly. If they don't like a certain feature and you're not married to it, let it go. Don't be too defensive or worried about "the publisher designing your game for you" until you actually feel like it's happening. Asking to drop a certain feature or set is not a slippery slope and is common practice. This does not mean the publisher is designing your game.
I am Error
Don't try to impress the publisher with your knowledge of games or gaming history. It's irrelevant to the pitch. If you have a good pitch or idea your knowledge of games will be self-evident.
"Zzzz..." is not the Sound of Approval
This is not an insider industry tip. If you bore the publisher, your proposal will not be looked at, and you will be passed over. Keep this in mind as a general rule of thumb when preparing any part of your pitch.
Who What Where When How Why
Make sure to go back and ask yourself if you've covered all the basics: who, what, where, when, how, and why. Who are you making the game for, who will be working on it. What is the game itself. Where will the game live (on what platform is it ideal for — certain platforms cater better to certain markets than others, PC/strategy for example). When can you start, how long will it take, what are your milestones. How will you develop the game, with what tools and tech, with what kind of team (in-house or contractors). Why do you believe the game will be a success and is worth looking at (without being a three page impassioned essay about how you've been playing games since you were five and know everything about them).
A playable prototype or demo is golden. No graphics, no sound, no building out of the game, just core game proof of concept. A pitch with pictures will get ten times further than a pitch without. A pitch with a prototype will get a HUNDRED times further than a pitch without. Don't apologize for the demo, they've heard "this isn't the final game art or gameplay" as many times as I've heard "please excuse the mess" walking into a perfectly nice home. Even if a pitch is rejected, if you re-submitted it with a playable demo, it could be re-considered. Many publishers will not accept unsolicited pitches without a playable demo.
Mess Up
You'll make mistakes and it's OK. If you think there's people in the industry that know everything and never make mistakes you're wrong. You don't need to be that person because that person doesn't exist. If the publisher raises an issue that you hadn't yet considered, don't front — the publisher is smarter than that. Fess up to it and tell them you'll discuss it with your team and follow up. Then actually do that. Especially the follow up part. Be humble.
This is by no means a step by step guide on how to pitch, this is general advice for studios or individuals of all sizes, professional or not, on how to pitch publishers, solicited or not. I've worked with some great developers and studios over the years and hope to keep working with plenty more.


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Newark, NJ - Raphael Araujo scored a golden goal for Rutgers-Newark as the horn for the end of the first overtime sounded, sending the Merchant Marine soccer team to a 3-2 setback Wednesday night. Nick Vogel (Mechanicsburg, PA) and Gavin Yingling (Salisbury, MD) each found the back of the net for the Mariners. Gary Poulin (Hauppauge, NY) made 12 saves in net for the Mariners as the Scarlet Raiders totaled 28 shots.
Merchant Marine (0-3-0) cracked the scoreboard with Vogel's marker 6:57 into the game. The junior keeper beat the Scarlet Raiders net minder near post to put the Mariners on top, 1-0. That advantage would hold through the first period as USMMA held a one-goal cushion at the intermission.
Rutgers-Newark (2-1-0) went up 2-1 as Araujo netted the first two goals of his hat trick in the second half. Yingling scored his first collegiate goal with 14:11 remaining in regulation to knot the score at 2-2. Kyle Arestivo (Northport, NY) picked up the assist on the game-tying goal.
Arajuo completed a break away in the final moments of the extra session, depositing the game winner for the Scarlet Raiders with no time left on the clock.
The USMMA soccer team will look for its first win of the season Saturday against York (NY) at 11:00 am at Brooks Stadium.

subset: commoncrawl


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face and back area
Vipeel Done After How Many Days Can I Do Laser Hair Removal Tretment?
Doctor Answers 2
How Long to Wait After Chemical Peel to Have Laser Treatment?
I would recommend waiting a month after having the ViPeel before undergoing laser hair removal treatment. Chemical peels make your skin sensitive and if you do laser too soon after a peel, you are at risk for discoloration, burns and/or scarring as the skin will be more sensitive to the light.
Web reference: http://www.barnettdermatology.com/treatments.php?id=15
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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Graphic Standard Course
Training Mode:
Graphic Design Standard Course is a short term certificate course at ADMEC introduces you to the essential designing applications and required creative skills. This short term graphic design course with ADMEC unleashes your creative thoughts and makes them so beautiful that everyone would be flabbergasted. During this short term course you'll learn powerful tools and software packages like Adobe Photoshop and CorelDraw. With the help of our expert faculty members on course completion you would be able to create marvels in the artistic world of Graphic Designing.
Eligibility to Join our Short-term Graphic Design Standard Course
10th or above passed candidates are eligible for this short term graphic design course also. Interest in working with computer and creative exercises like sketching & drawings would be added advantages.
If you don't have too much time or don't want to go with any long term graphic design course then it's high time, come and get registered yourself in this short term Graphic Design Standard Course. By pursuing this graphic standard course you will acquire the training and portfolio ( in the field of graphic design) necessary to interview for an entry-level career opportunity.
This short term Graphic Standard Course at our institute is appropraite for professional graphic designer who wants to update their skills & knowledge in the field of graphic designing. This short term course will train the students in the industry relevant facet of graphic designing.
Semesters and Modules:
Module 1: Fundamentals of Camera and Studio Lights
Go through the learning outcomes of this short term graphic standard course and find out what we are offering to the students.
Learning Outcomes
- Computer Basics
- Internet & Networking
- Introduction to Graphic Design
- Raster & Vector Graphics
- Grid Systems
- Vector Shapes and Illustrations
- Measurement & Sizing
- Drawing Techniques
- Drawing Techniques
- Developing a Personal Illustration Style
- Case Studies and Projects
Module 2: Image Magic Layouting Techniques
Learning Outcomes
- Advanced Raster Techniques
- Collage and Masking
- Image Retouching and Color Balancing
- Using Filters
- Typography
- Color Vs Design
- Brands & Brands Identities
- Designing Brochures & Catalogues
- Layouts for Newspapers, Magazines & All Kinds of Publications
Training Mode:
- Regular
- Fast-Track
- Weekends (Sat/Sun)
- Only Sundays
- Online
- Others
How to Apply:
If you require any further information on short term Graphic Standard course please contact our Graphic Design Course Admission team, email: firstname.lastname@example.com, phone: +91 (0)981 181 8122.
What You Study:
- Adobe Photoshop
- CorelDRAW
- Sketching Classes
- Tests & Projects
- Portfolio Development
- Project Report
- Design Report
- Project Presentation
- Designing Competitions and Events
- Learn to Work in Team
- Know Essential Corporate Etiquettes
- Learn Planning, Designing, Publishing, and Presentation of a Design
- Know the Veterans Design Process
- Acquire Leadership Skills
- And many more....
- Resume Development


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Tag: Crown Perth
ANZPT5 Perth: Day 1b Update
The second day of Main Event play is about to get underway in the Crown Perth Poker Room for the ANZPT's fifth season.
ANZPT5: Day 1a Update
Players are taking their seats at Crown Perth for the ANZPT's fifth season. Lynn Gilmartin chats with some of the players as they get prepared for six levels of poker action.


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California Gas Stations Shut as Oil Refiners Ration Supplies Gasoline station owners in the Los Angeles area including Costco Wholesale Corp. (COST) are beginning to shut pumps as the state's oil refiners started rationing supplies and spot prices surged to a record. Valero Energy Corp. (VLO) stopped selling gasoline on the spot, or wholesale, market in Southern California and is allocating deliveries to customers. Exxon Mobil Corp. (XOM) is also rationing fuel to U.S. West Coast terminal customers. Costco's outlet in Simi Valley, 40 miles (64 kilometers) northwest of Los Angeles, ran out of regular gasoline yesterday and was selling premium fuel at the price of regular. The gasoline shortage "feels like a hurricane to me, but it's the West Coast," Jeff Cole, Costco's vice president of gasoline, said by telephone yesterday. "We're obviously extremely disheartened that we are unable to do this, and we're pulling fuel from all corners of California to fix this." Spot gasoline in Los Angeles has surged $1 a gallon this week to a record $1.45 a gallon premium versus gasoline futures traded on the New York Mercantile Exchange, data compiled by Bloomberg show. That's the highest level for the fuel since at least November 2007, when Bloomberg began publishing prices there. On an outright basis, the fuel has jumped to $4.3929 a gallon. Prices Jump Gasoline at the pump gained 8.3 cents to $4.315 a gallon in California yesterday, according to AAA.com, 53.1 cents more than the national average of $3.784. In Los Angeles the price was $4.347. Gasoline futures for November delivery on the Nymex rose 14.34 cents to settle at $2.9429 a gallon, after falling yesterday to a 10-week low. Retail price movements tend to lag behind those of futures.This is pure government mismanagement. Can you imagine what it's going to be like under Obamacare?
Saturday, October 06, 2012
The nice thing about having a Democrat in the White House is that there is never any bad news. "Pain at the pump" stories are an evergreen for the media...when the media can blame Republicans. This is outrageous and it should be the major news story of the day:
Posted by Peter Bradley at 10:29 AM
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Emphasising that India has seen large number of reforms in recent years, urban development minister Kamal Nath on Thursday said that even a lull in activities is taken as paralysis since expectations from investors are too high.
Nath, who is leading the Indian delegation at the annual
WEF meeting, also said that even the US or Europe would not have seen as many reforms that happened in India.
"India has had a large number of reforms in recent years and it would be largest for any country. No country has had as much liberalisation as India, be it the US or Europe," Nath said.
In response to a query on why not much foreign investments are coming into India's infrastructure and other sectors, Nath opined that "investors expect too much from India".
India expects to see about $1 trillion investments in infrastructure in the next five years.


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Family Finance News
June 26, 2015
Home Equity Loans, Lines of Credit, and Reverse Mortgages
Home Equity Loans and Home Equity Lines of Credit (HELOC) and Reverse Mortgages allow you to borrow against your home equity.
· A home equity loan is for a fixed amount of money that is secured by your home. The lender also takes into account your income, credit history, and the market value of your home.
· A HELOC is a revolving line of credit much like a credit card and the lender takes into account your income, credit history, and the market value of your home.
· A reverse mortgage is available to those 62 years or older and allows you to convert your home equity into cash.
Your home equity is determined by the market value of your home minus any mortgages and liens. For example if your house is appraised at $150,000 and your mortgage (and any other outstanding lien) amount is $75,000 then you have $75,000 of equity in your home.
A home equity loan is a lump sum distribution that is repaid with monthly payments and usually no more than 85% of your equity in your home. So in the example above you could borrow 85% of $75,000, or $63,750. A HELOC is a little different; instead of taking one lump sum it allows you to borrow for a specified period of time known as a "draw period", usually 3-7 years. During that time you must make monthly minimum payments and when the draw period ends you will no longer be able to borrow money from the account. A reverse mortgage is a home loan that provides cash payments based on home equity. Homeowners normally defer payment of the loan until they die, sell, or move out of the home.
Pay close attention to fees, including the application or loan processing fee, origination or underwriting fee, lender or funding fee, appraisal fee, document preparation and recording fees, broker fees, and balloon payments. Always ask for annual percentage rate (APR) and compare loans from several lenders.
Home equity loans, HELOCS, and reverse mortgages are complicated financial instruments and could put your home and equity at risk. If you miss payments the lender could foreclose on your home to recoup their costs and you could lose your home. It is important to work with a reputable lender that you know and trust.
For more information
• AARP.org
• Consumer Financial Protection Bureau at www.consumerfinance.gov, "What You Should Know About Home Equity Lines of Credit.", consumerfinance.gov/f/201401_cfpb_booklet_heloc.pdf.
• Federal Trade Commission at www.FTC.gov
• Iowa State University Extension and Outreach website at www.extension.iastate.edu/humansciences/
May 26 , 2015
Lending Rates (how determined/how to get lower)
The interest rate is the cost of borrowing money and is usually expressed as a percentage. Interest rates will fluctuate with market conditions and consumer interest rates are closely linked to the interest rates set by the Federal Reserve. The annual percentage rate, APR, will include the interest rate as well as points, broker fees, and certain other credit charges that you may be required to pay that will impact mortgage payments.
According to the Consumer Financial Protection Bureau there are seven factors that can influence the interest you would pay on a home loan:
1. Credit Score- If you are planning to buy a home check your credit report a year or six months prior to the purchase to correct any errors and look for ways to improve your credit score. If there is anything negative on your report, call the creditor and work out a payment plan. Also consider paying down credit card balances.
2. Home location– Mortgage interest rates can vary from state largely due to regulations that impact the cost of doing business.
3. Home Price and Loan Amount– It's important to know how much home you can afford and to calculate the monthly payment – including taxes and insurance.
4. Down Payment and Loan Term – A twenty percent down payment will get a better interest rate than a 15% or 10% down payment. A larger deposit indicates to the lender that you are willing to take some risk yourself. Also, compare the monthly payments of a fifteen year mortgage versus a 30 year mortgage. You may have higher monthly payment but you will pay a lower APR and lower overall interest charges.
5. Loan type - There are several loan types such as conventional, Federal Housing Administration (FHA), and Veterans Administration (VA) loans. Each type carries different fees, interest, and payment structures.
6. Interest Rate Type- There are two basic interest rate types of mortgages, adjustable and fixed and a sub category of fixed is the balloon payment mortgage. You can check get a ballpark figure for your mortgage interest rates at the Consumer Financial Protection website at consumerfinance.gov/owning-a-home/check-rates/.
The mortgage you choose has a big impact on the interest—how much you'll have to pay upfront, your monthly payment amount, and the total cost of your loan over time.
You will want to shop around and compare rates and costs. Ask whether the rate is fixed or adjustable. An adjustable rate mortgage may seem like a bargain now but monthly payments could increase considerably over the life of the loan. Some questions to ask for an adjustable rate mortgage include:
- What is the initial interest rate?
- What are the rates and payment caps each year and over the life of the loan?
- What index will the lender use to determine rate increase and what margin will be used?
- How often can the lender change the interest rate and how often is it adjusted downward?
Doing some homework will save you money in the long runand rememberfair lending is required by law. The EqualCredit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction and the basis of race, color, religion, national origin, sex, marital status, age or whether all or part of an applicant's income comes from a public assistance program.
For more information
• Consumer Financial Protection Bureau at www.consumerfinance.gov, "Understand Loan Options"
• Iowa State University Extension and Outreach website at www.extension.iastate.edu/humansciences/
May 22, 2015
Understanding Your Paycheck
Your child's first paycheck can provide a great opportunity to introduce the topics of taxes and withholding. This is the time to prepare your child for their first income tax return.
First, explain that they will need to complete a W-4 form when they start their job.This is the Employee's Withholding Allowance Certificate form which informs the employer how much tax to withhold from each paycheck. A high number of allowances lowers the amount withheld from your check for federal income tax; a low number, down to zero, increases the withholding. A single individual can claim allowance for themselves (one) or they can claim zero allowances. Your child can use IRS's tax withholding calculatorto see if too much or too little is being withheld and they can update their W-4 at any time.
Next, take time to explain the difference between gross pay (before taxes are taken out) and net pay (take-home pay). Then go over the various taxes and other deductions from their check. The largest withholding is for federal income tax which is used for anything paid from the government's general fund. This covers essential government services from military expenses to highways. Other Federal deductions include, the Federal Insurance Contributions Act (FICA) which is made up of two items, Social Security and Medicare taxes. For 2014, the Social Security tax rate is 6.2% on the first $117,000 wages paid. The Medicare tax rate is 1.45% on the first $200,000 and 2.35% above $200,000. If your child is receiving health or retirement benefits, contributions for these may be coming out too.
Help your child understand that the more money they make, the more they will likely have to pay in taxes. But not all their money is taxed at the same rate. If your child is a single and being claimed by you as a dependent, they can generally earn up to $6,200 (in 2014) before you owe federal income tax.
In the U.S. we have a progressive tax rate system. For example, for the 2014 tax year, single filers pay a 10 percent federal income tax on the first $9,075 of taxable income. The next bracket – from $9,076 to $36,900 is taxed at a 15 percent tax rate. So, if an individual had a taxable income of $30,000, the first $9,075 would be taxed at 10 percent, and the remaining $20,925 would be taxed at 15 percent under the 2014 tax rate schedule.
Who should care: Anyone who works would benefit from understanding their paycheck. Once your child understands the basics of taxes and withholdings you can begin to plan and ask questions about benefit packages. Explain that full time workers sometime collect benefits such as health, life, and disability insurance which are considered part of the total pay package along with salary. In many cases, employees pay for at least a portion of their benefits, but the employer may pay for a fairly large portion of them as well. These are important things to understand when your child begins their journey in the working world.
More information:Contact Consumer Financial Protection Bureau, IRS.gov, or visit www.extension.iastate.edu/humansciences/
May 12, 2015
A savings account provides funds for emergencies and for making specific purchases in the relatively near future (usually three years or less).
Savings accounts are ideal for individuals looking to save while earning a modest amount of interest. Savings accounts are very safe and are insured through the Federal Deposit Insurance Corporation or National Credit Union Insurance Fund. The standard insurance amount is $250,000 per depositor, per insured bank or credit union, for each account ownership category (savings, checking, or certificate of deposit). Safety of the principal and liquidity of the funds (ease of converting to cash) are important aspects of savings dollars. Because of these characteristics, savings dollars generally yield a low rate of return and often do not maintain purchasing power or outperform inflation. While there are many advantages to using these accounts, they are better used for short term savings from a few months to a few years.
Opening a savings account is often an important first financial milestone for a young person or an adult getting back on track. Savings accounts are beneficial for keeping your money safe while preparing for the future.
It is clear that Americans need to be saving more. According to the U.S. Bureau of Economic Analysis, Americans are only saving around 5 percent of their income, on average. However, financial experts recommend saving 10-20 percent to adequately prepare for retirement. Cynthia Fletcher, a professor of human development and family studies, says the America Saves program is a good opportunity for everyone to assess their financial situation.
"Inertia is a huge enemy when we're managing our money. We get comfortable and the world changes, but we don't make appropriate changes to our savings and investments," Fletcher said. "This can be a time for people to do a checkup and see if it makes sense to rethink their rate of savings and if they can save more."
More information: Contact America Saves at www.americasaves.orgor sign up for Money Tip$ at blogs.extension.iastate.edu/moneytips/tag/savings/.
May 8, 2015
Using Credit
Credit is the ability to obtain goods or services before payment in which the borrower often pays a fee or interest for the privilege of borrowing. The term credit also refers to the borrowing capacity of an individual or company.
Credit can be a terrific tool for the consumer. It can enhance your quality of life. On the other hand, it can create serious problems for people who use it incorrectly. Obtaining credit and having good credit is important when you are considering large tickets items such as a home, car, or business. When a lender extends credit it represents the confidence a lender has in your ability to repay a loan. Credit decisions are usually based on the amount of debt you currently have and your debt payment history.
If you're a new user of credit, there are positive steps you can (and should) take as you establish credit. Work with a local lending institution to obtain a small loan or credit card and make consistent payments on a monthly basis. Even a small amount will help establish a lending history, but it is imperative to make consistent, timely payments and not miss any payments.
Using credit wisely will save you money in the long run. The interest rate for borrowing is determined by the risk of the transaction, so if you have a history of paying your bills on time and not being overextended then you will pay a lower interest rate than someone who has a history of not paying bills on time. The lower interest costs can add up to hundreds of thousands of dollars of savings during your lifetime.
Used responsibly, credit can help you buy big things: phone services, education, health care services, major appliances, etc. The availability of credit is also very important in emergencies. Your credit history is your financial reputation and time is the key to building credit. It does not happen overnight. A good credit history will create a good credit score, which in turn will open many future financial opportunities and save you money. Once you have established good credit, you will reap the benefits.
More information:For more information contact
· National Foundation for Credit Counseling at www.nfcc.org
· Consumer Financial Protection Bureau at http://www.consumerfinance.gov/
· Iowa State University Extension and Outreach website at www.extension.iastate.edu/humansciences/
April 24, 2015
Buying a Home
Buying a home is a big decision and makes financial sense for many families. If you are planning to live in one place for at least a few years, then owning a home could be a good way to build some equity. Property taxes and the interest portion of your mortgage payments are tax deductible. Paying off your mortgage may be a form of "forced savings," too and a portion of each mortgage payment increases your equity. On the other hand, if you are planning to move within a year or two you may end up losing money due to transaction costs.
Set a budget and start your Housing Fund. What can you realistically afford to pay toward a mortgage each month? Write down your monthly expenses – car payment, credit card bills, groceries, entertainment – everything. Total the amount up and you have your non-housing expenses. Subtract your non-housing expenses from your take-home pay. Be sure to include an amount that gives you some breathing room for financial emergencies – flat tire, medical need, or price changes. THEN: what is left?
It is important to know what you can afford before you visit a lender. Remember, also, that there are closing costs that can range from $5,000-10,000 or more, depending on the house. Be sure to visit www.annualcreditreport.comto check your credit report and fix any inaccuracies 4 to 6 months before you visit a lender. Your credit score will help determine the APR for your mortgage.
Being pre-approved before looking at homes tells the realtor that you are serious and gives you some leverage for a loan. Pre-approval means that the lender is willing to give you a loan. Knowing what you can borrow means you can start shopping for homes in your price range.
What type of loan is best for you? Do you want a fixed or adjustable loan? How long do you need to take out the loan? Is it a conventional or government-backed mortgage? How long will you stay in the home will be a factor too. If you qualify for a government-backed loan, you will have the option of making a smaller down payment. Be sure you clearly understand the terms of any loan before signing on the dotted line.
For more information
• Federal Trade Commission www.FTC.gov
• Consumer Financial Protection Bureau at www.consumerfinance.gov
• Iowa State University Extension and Outreach website at www.extension.iastate.edu/humansciences/
• Iowa State University Extension and Outreach has a fact sheet on Buying a Home PM1460.
• Iowa State University Extension and Outreach Home Buyer Education coarsewww.extension.iastate.edu/humansciences/homebuyer
January 16, 2015
Food Deserts
I live in a food desert. That means it's a place without ready access to fresh, healthy, and affordable food. The USDA defines a food desert in relation to household income and distance to a grocery store.
The reality of what it means to live in a food desert has been driven home on more than one occasion, but it is especially evident during the winter months when a planned trip to the grocery store may be delayed several days due to bad weather. There is no grocery store in my little town. In fact, there are no grocery stores in any of the three communities that make up my school district.
I travel extensively and can easily plan at the end of my day, a stop at a grocery store in a community 20 miles away with 3 or more grocery stores. For me, a solution is easy, but it's not so easy for the elderly or the low income who must balance food costs with the expense of a 40 mile round trip.
I am thankful for the convenient stores that sell gas in the small communities that make up our school district. Though the staples they do carry are higher in cost than what I can buy at the super stores in the larger towns, I will gladly pay for the convenience and the savings I realize in time and gas. But, how do the elderly and low income manage that higher cost? And, what are the long-term effects of a diet without fresh fruits and vegetables or a quality sources of protein?
For more information about food deserts check out http://apps.ams.usda.gov/fooddeserts/foodDeserts.aspx
December 30, 2014
Motion Sensors Save Money
I recently walked through the airport to catch the first flight of the morning. Many of the gates were empty and dark, until…a sensor somewhere detects my motion and lights up the area.
I start down an empty freezer isle at the grocery store and the dark cases full of frozen veggies, light up as they sense my presents.
I enter the dark bathroom in my daughter's home and the lights magically turn on before my hand can find the switch. This was installed for the benefit of a toddler who could not reach the switch.
Stairways, halls, and garages get a lot of through traffic, and people often forget to shut off lights once they've passed by. Motion sensors turn lights on when you walk in and off when motion is no longer detected. Indoor sensors range from $15 (with the sensor fixed in the wall switch) to $45 (a kit with a separate sensor to put where you'd like). Outdoor ones can cost $16 (for basic floodlights) to $100 (for more decorative or powerful models). Motion detectors can be used to save energy, boost your home security by turning yard lights on, and safely light the way into a room.
Motion sensing switches do have some "phantom" energy use, using about a watt of energy on standby mode (23 hours a day) and 5 watts on active mode (about an hour a day). This trims a bit off of your overall savings, but over the course of a month, the switch itself will cost about $0.09 of energy, every month.
Would a motion sensor in or around your home make a difference in your energy bill or safety and security of your home?
October 14, 2014
Predatory Lending
I often look at laws and imagine what someone did (and probably more than one someone) to make that law necessary — especially laws designed to protect us from ourselves or from each other. It came to my attention, some recent Iowa laws that regulate Payday Lending and Advance Check Cashing.
Over the years, I have worked with individuals who have had up to five Payday Loans, some of which had been rolled over two and three times in an attempt to hang onto their home. On Fridays I have observed a number of individuals standing in line at the service desk of my local grocery store waiting to cash their checks. I cringe thinking of the amount of money they are throwing away on interest and fees.
The recent changes in Iowa laws now prevent payday loan rollovers, and do not allow you to have more than two loans or advance checks being cashed at any one lender. Other rules in place include: You must be 18 and employed; No more than $500 per loan; For no longer than 31 days; No more than a $15 fee for the first $100 and $10 fee for each additional $100; A maximum APR of approximately 422%.
While I think its fine to pass laws that limit costs (though I don't call 422% APR really "limited"), I worry more about consumers who make decisions without really thinking through the costs versus the benefits. I'd rather focus on teaching consumers to understand the decisions they're making and consider other alternatives beyond cash advances, such as:
- Use a credit card – the APR is a lot lower
- Sell something you: a) Do not use; b) Do not need; and/or c) Can't afford
- Ask for an extension
- Borrow from family or a friend
- Visit a food bank and shift grocery money to other needs
For more information about Credit and analyzing Your Debts, contact your local ISU Extension and Outreach office and ask for PM 1459A-B
September 5, 2014
Between Mason City and Rudd, where I live, Mercy North Iowa has a billboard that reads, "Refer a Physician Earn $5000." Demand for primary care services is projected to increase through 2020, largely because of aging, population growth and due to the expanded health care insurance. (www.hhs.gov)
With necessity being the mother of invention…working with the laws of supply and demand, some new forms of healthcare have come on the scene.
Concierge Medicine Iowa of Des Moines (first of its kind in Iowa) is part of a growing trend that has grown from 2500 practices nationwide to more than 21,000 in the past eight years. Concierge medicine is an approach to providing primary care in which the patient submits an annual or monthly fee or retainer to the physician directly. Fees range between $1500 to $4446 per year depending on your age and if you are single or a married couple.
Women's Wellness and West Side Family Medicine in Dubuque is one of 4400 Direct Primary Care practice in the US. In the last year, there has been a 30% increase the number of Direct Pay clinics. Instead of paying a deductible through health insurance, clients pay a monthly fee which runs between $60 and $85 a month (regardless as to whether you visited the doctor or not).
The Patient-Center Medical Home is a more common model of care in Iowa, where the patient uses a primary care physician's practice as their center to access and coordinate their health care. This model is centered on the needs of the patient, both present and future rather than just responding to episodes.
The new health-care law allows direct-pay primary-care to count as ACA-compliant insurance as long as it is bundled with a catastrophic medical policy to cover emergencies. Some of these new forms of health care may seem expensive but worth the money if access to care is an issue. The cost is expected to drop as the availability and popularity of these models increases.
August 28, 2014
Yes, it is barely September, and yes, I am already thinking about tax season and the new forms that come with new legislation…such as those for the Afford Health Care Act. Then I stumbled on something that made me laugh.
The IRS released the Virtual Currency Guidance on March 25, requiring Bitcoin to be treated as property instead of currency. This means it is subject to capital gains tax or could count as a loss if the value dips. "Mined" Bitcoin is taxed as gross income. "Paperless" takes on a whole new meaning when you think about the taxpayer being responsible for maintaining the virtual paper trail for this virtual currency.
Lost or stolen Bitcoins can potentially be tax deductible as a casualty loss deduction though it might be a little tricky calculating the cost basis of Bitcoin.
Though I find it funny thinking of the IRS writing rules to address gains, losses, potential theft and the need to maintain a paper trail of imaginary money; it is not funny just how volatile and risky this new form of money and investments can be. More than 850,000 Bitcoins were recently lost (presumed to be stolen) from the largest Bitcoin exchange and there is no FDIC (Federal Deposit Insurance Corporation) there to recover your losses.
As with all investments, it is important to know your risks and with risky investments… invest only what you can afford to lose. If you are new to investing, you may want to contact your ISU Extension office and ask for publication PM1462, Money Mechanics: Saving and Investing.
Car Recalls
I have a post card reminder sitting on my refrigerator for a recall on my car. I think this is the 4th or 5th recall I have had for different vehicles in the last 10 years.
As a consumer I have two concerns:
- How will I know if the car I'm driving has a recall? I might not hear it on the news and I might not receive a letter (even though they try to notify owners)…
- What if I'm buying a used vehicle – how can I know if it has had a recall, and whether the needed repairs have been done?
Fortunately, a single resource addresses both of those questions: www.SaferCar.gov . At this site, you can look up a particular model and year to find out if recalls have been issued. In addition, you can enter the vehicle identification number (VIN) of a vehicle you might want to buy, and you will be able to find out if needed recall-related repairs have been made on that vehicle.
For more information on this topic and other family financial matters, follow us at blogs.extension.iastate.edu/moneytips.
Protect Your Health Care History
August 7, 2014
Health Care is the new leading area for identity theft. It can be costly in terms of money but it can also be fatal if your medical records are changed regarding issues such as medication allergies or life threatening conditions.
Checking the data collected and stored about your medical history and habits may seem like a lot of work and time spent. But, an ounce of prevention is worth a pound of cure. The average time and cost of repairing identity theft is 500 hours and $2000-$3000. Spending a couple of hours on the phone or online requesting reports is well worth it!
A coded listings of your reported medical conditions and tests can be obtained from the Medial Information Bureau. This information can be obtained by calling 866-692-6901 or by going online at mib.com. Be sure to also check with your insurance company for an annual statement of your health claims and treatments if you do not already have access to this online.
Your prescription history, a list of all prescriptions listed under your name, can be obtained at rxhistories.com or by calling 877-211-4816. Optum MedPoint can also provide you with a list of your prescription history. Just call them at 888-206-0335.
You can order a free report listing all your insurance claims at Verisk A-Plus Report by calling 800-627-3487 or by visiting online at verisk.com and type "order free report" in the search box.
For more information about protecting your information in regards to Health Care History and Habits, follow us at blogs.extension.iastate.edu/moneytips.
Data Brokers
The Federal Trade Commission has been gathering information about "data brokers." Data brokers collect personal information about consumers from a wide range of sources — including public records, loyalty cards, websites and social media — and provide information for a wide range of purposes. The FTC offers an informative 2-minute video with an overview of the industry: Sharing Information: A Day in Your Life . Currently there are no individual consumer rights to limit distribution of information contained in a marketer's data files or to correct false information in those files.
Data brokers use computer programs to combine and analyze data about consumers. They create lists based on the data collected, often making inferences about consumers and place them in categories. Potentially sensitive categories include those that primarily focus on ethnicity and income-levels, a consumer's age, or health-related conditions like "Age 65 ," "Diabetes Interest," and "Expectant Parent."
Recommendations have been made to Congress for legislation giving consumers transparency on how and when the information is being gathered, options to "opt-out", and rights to correct false information. To find the links to the informative, 2 min. video on data brokers or to the federal trade commission links on the topic about Data Brokers, visit our blog located at blogs.extension.iastate.edu/moneytips.
Home Ownership
Housing sales are trending upward, distressed sales are falling, and the value of homes is equivalent to values from 2005. This is the news from the Housing Scorecard, which contains unbiased information on trends in housing and is issued monthly by Housing and Urban Development, www.hud.gov. This is good news for individuals who have a home for sale; it also might make it easier to decide if it is wise to start a home improvement project on a home you plan to sell in the future.
The USDA and Iowa State University Extension & Outreach partnered to develop an online homebuyer education program http://www.extension.iastate.edu/HomeBuyer/ . The course offers much more comprehensive information than can be share in this column. Completion of the course earns you a certificate required for some USDA loans. The site also maintains a list of publications to help homeowners maintain or improve their homes.http://www.extension.iastate.edu/HomeBuyer/publications.htm
For those having trouble with their mortgage a valuable source of information and (possibly leading to help with restructuring their loan) is HARP http://www.makinghomeaffordable.gov which is a site for homeowners to find relief for mortgages that are underwater.
We haven't recovered from the housing bubble, but it's good to see slow and steady progress. Owning a home is still a step toward personal asset building; keeping it realistic is the key.
Spend Smart
Bacon hit an all-time high price of $5.70 a pound just a few months ago, and some of us can remember when hamburger cost less than $2.00 a pound. And then, some chef dumped hot sauce on a chicken wing in the 80's and they haven't been used to make chicken stock since.
These are all examples of the economic concept known as supply and demand. When supply is stable and demand increases, prices will rise. When supply is limited and demand is steady prices will also rise.
I envy the person who turned a the bony chicken wing into a profitable dish, and my mouth is watering at the thought of BLTs for a summer meal. And as a busy housewife, Hamburger is my go-to, easy to use and versatile meat. For these products, the demand remains steady or even rising now that it is summer grilling and picnic season, but supply is going down. The cattle herd inventory is at a low and PEDV, a swine disease will reduce the supply of pork during the coming months. Therefore, it's not likely these prices will fall soon. What's a BLT-lover to do?
A solution is to look at how you use these products and take steps to make the most of what you buy. Buy hamburger and bacon during sales and repackage, and freeze in recipe or serving size packages. Plan for left-overs or freeze them for later use and reduce serving sizes to save money and help the waistline either. For other ways to save, visit the ISU Extension & Outreach site Spend Smart, Eat Smart.
It is the end of tax season, and I want to remind people to make sure you are having enough withheld from your paycheck for federal and state income taxes!
As a volunteer with VITA (the Volunteer Income Tax Assistance program), I saw several people this year who needed to make large payments with their tax return. In one case, an employer had restructured, and the employee hadn't noticed that her payroll withholdings changed. Another had gotten a new job and didn't fill out their paperwork properly. One person got a second job and their income had gone up a lot they had neglected to increase the withholdings.
Owing a little money with your tax return isn't a problem. In fact, many people see it as the ideal scenario.
But you'll face real problems if you owe substantial amounts:
- Finding the needed money may involve, creating debt which can start a downward spiral where you're behind on your bills and building credit card debt, too.
- You'll also probably be charged a penalty and interest for not paying as you go — the law requires that we pay our income taxes throughout the year, not just at the end of the year.
Even though tax season is over, that doesn't mean you should stop paying attention to your tax situation. It's a year-round task, especially when your family or income changes. For more information about tax-savings strategies, contact your local Iowa State University Extension office and ask for publication PM 1455 – Money Mechanics: Income Taxes or download if from our store at www.store.extension.iastate.edu/, and search for PM 1455
Opt Out
What's in Your Mailbox? Clever marketers often put the name of a key product or service in an email address. If you need unbiased information you'll need to look closely to tell if the brochure, webpage, or mail is from a firm or business that has cleverly created a sales document that looks like a source of credible information.
If you need details about Medicare, for example, the best source is Medicare.gov. Your mail box can contain information sent by Medicare Associates, Medicare Institute, My Medicare, etc. As an Email, it might look like My Medicare.com (not .gov) or Medicare Services.org.
The Consumer Financial Protection Bureau released a report in 2013 analyzing the amount of money spent on providing financial education to consumers and the amount spent trying to influence consumer's decisions about financial products. The report found that for every dollar spent for unbiased education information, $25 is spent on financial marketing. This includes the purchase of mailing lists that were created when you were a customer or you answered questions on a form that ended up creating a profile of you and a resulting prospects list that can easily be generated by a computer. It's a source of income for magazines, manufacturers, stores, and webpages who sell lists.
You can limit some direct marketing (both postal mail and email) by using the services of DMAChoice.org ( https://www.dmachoice.org/) They provide the opt out services to stop most junk mail from landing in your mailbox. Check out their site for more information about marketing and steps you can take to limit the sale of your personal information.
Water Main Breaks
County supervisors across the state have been advising homeowners to run their cold water tap for 3 to 5 minutes; fill a glass, and then measure the water temperature. If the water was 40 degrees or less, then you needed to seriously consider running a constant stream of water from your tap to prevent your water main from freezing.
Pipes are usually buried a good 8 inches lower than the typical frost line for our area. With the lack of snow cover and the record breaking cold, the frost has pushed to and beyond that depth, freezing and breaking water mains.
Few homeowners realize that the pipe that runs from the street to your home is YOUR responsibility and is not covered by your homeowners insurance. A rider to the homeowners' coverage policy or a separate specialty insurance option must be purchased to cover the cost of repairing or replacing your water main. The good news is...spring is coming soon.
All Open Enrollment for Individual Health Insurance Ends March 31
With the arrival of March, Iowans no longer can procrastinate when it comes to health insurance. When the annual open enrollment period ends on March 31, most people will be unable to purchase individual health coverage from any source until the next open enrollment period, set to begin Nov. 15, 2014.
"It has been widely publicized that the open enrollment period for the new Health Insurance Marketplace at www.healthcare.gov ends on March 31, but most people are unaware that the term open enrollment period applies not only to the official Health Insurance Marketplace, but also to all individual health insurance policies," reports Brenda Schmitt, family finance specialist with Iowa State University Extension and Outreach. "That means that outside of the designated open enrollment period, most people who want to purchase health insurance on the individual market will be unable to purchase health insurance anywhere."
The 2014 open enrollment period was set for a full six months to provide time for people to learn about the new health insurance system. In the future, however, the annual open enrollment period will be shorter, about two months starting in autumn each year, Schmitt said.
People who experience major life events, including events that cause them to lose their health insurance, will be eligible for a "special enrollment period," which lasts 30-60 days. Examples of eligible life events include loss of insurance due to job loss or divorce, marriage, and birth or adoption of a child. As a result, people who have access to group insurance have no need to fear being left without options if they unexpectedly lose their group coverage. To learn more, go to www.healthcare.gov and search "special enrollment period."
Group plans will continue to be open to new group members; for example, newly-hired employees will be able to enroll in the employer's health insurance plan regardless of what time of the year they are hired or during their employer's annual open enrollment. But those who purchase insurance in the individual market must do so this month or be prepared to wait until the fall 2014 open enrollment period for 2015.
Bartholomae urges anyone who is currently without health insurance to take action this month to enroll. Iowans who are concerned about cost may be eligible for financial assistance in paying their premiums, she said, and free insurance is available through the Iowa Health and Wellness Plan to those meeting income guidelines ($15,282 for a single individual or $31,322 for a family of four). Hawk-I (for children) and Medicaid also continue to be available, Bartholomae noted
Free assistance with health insurance enrollment is available. Find help at https://localhelp.healthcare.gov or at www.getcoveredamerica.org. ISU Extension and Outreach offers informational workshops about the changes brought by the Affordable Care Act. To learn more, go to http://www.extension.iastate.edu/humansciences/health-insurance or contact any ISU Extension and Outreach county office to find local workshops.
Got Complaiants?
I generally discourage people from considering Pay Day Loans as a possible solution for financial problems – it's costly and can be part of a downward financial spiral.
In November 2013, for the first time, the Consumer Financial Protection Bureau (CFPB – www.consumerfinance.gov) took legal action against a payday loan company. And they now have a link for submitting complaints about payday loans.
The CFPB is a new federal agency whose purpose is to regulate the financial products industry, in order to protect consumers. They accept complaints about any financial product. They've recently added payday loans to their eight specific categories (plus a ninth "other" category) to choose from when submitting a complaint: mortgage, debt collection, credit reporting, bank account or service, credit card, money transfer, payday loan, student loan, vehicle or other consumer loan.
If you want to tell the CFPB about something that isn't exactly a complaint, they also have a link where you can tell them your story. Hearing from consumers is essential for the CFPB to do its job, so if you have had problems, or even just interesting experiences (positive or negative) telling the CFPB may help lead to better regulation, better consumer information, or better education for everyone!
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text: Isn't it that the idling of the engine is being controlled by the computer? Correct me if I'm wrong, I am no mechanic. The reason I am asking this is because we are thinking of adapting a gas saving device to the Catera which increases the idling as an effect. With old cars that don't have a computer, you simply adjust it manually and you're off. But with computerized cars, I am wondering how it will adjust. Would the computer adjust the idling automatically to normal level or should there be any other adjustment that needs to be done?


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She's 88 years old, one of only two left in the world and she's heading home to Italy.
The rare 1924 Fiat 519S has spent the past 11 years in a shed at Kauri, north of Whangarei, being restored. The Fiat will be trucked to Auckland today before being shipped to her new owner in Trieste, Northern Italy.
The 4.8-litre 519 Speziale was bought by Whangarei vintage car enthusiast and restorer Hans Compter as a wreck, with little more than the original engine - they later found a spare - chassis and front of the vehicle still intact, at an auction in Richmond, Melbourne, in 2001.
Mr Compter said about 4000 hours had since been spent restoring the Fiat, with his son Dennis putting in most of the time. Dennis, not quite lovingly, refers to her as the Sleep Stealer in memory of the many late nights he's spent on her.
However, they will also be a bit sad to see her go, too, after the efforts they, along with Kaitaia panel beater Vince Mason and engineer Dion Coleman, have put in.
Mr Coleman was the only non-Northlander working on the project, while Mr Mason formed the complex bodywork, which goes from concave to convex and back again.
Fiat made 2411 of the luxury 519s between 1922-1927 and there are only two left, with this car being the only one having the stylish boat-tail rear.
Hans would not reveal how much he paid for the car, or how much he sold it for, but said about $400,000 would have been spent on it by the time the new owner added his own finishing touches, including painting the interior and a few fittings.
"We normally do total restorations, but this was a regular client who wanted it in this condition so he could then add the rest," he said.
Hans said the car was imported to Australia 88 years ago.
"They were well ahead of their time when they were made, too. She had overhead valves, hydraulically assisted brakes and on all four wheels, and an adjustable steering wheel."
Hans said most people thought of Fiats only as small cars, but the 519S was the second-largest Fiat ever, behind a 6.8 litre V12 monster produced in the 1920s.
Dion had been putting the 519S through its paces and said it drove really well.
For more articles from this region, go to Northern Advocate


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Fresno West Side Beauty! Walk to Downtown!
From $199 / night
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Description from the manager
Bedrooms: 3/
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Type: House
Book this 3 bedroom, 3 bathroom house in Bend today! A total of 6 people can sleep here comfortably.
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Costs vary, with the average weekly rate as low as $1,100.00 to as high as $2,400.00, depending on travel dates.
The owner responds to 80% of inquiries.
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Lucky Vacation Rental
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More properties Call: +1-541-241-7383
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text:
Here Comes The Summer
Karloff the search, we found Frankenstein's Monster!
CHILDREN. KIDS. Today is YOUR day! Today is the day you may begin PINING FOR THE SUMMER! Even if you go to one of those year-round abominations. Nobody can stop you from pining, right? It's your freedom as an American to pine! Thomas Jefferson fought Hitler to make sure you could pine! Don't write that down, though, we didn't fact check it.
Anywho, all the stuff in this here Kids.Woot Woot Off are things you can enjoy during your summer fun. And if you find something that doesn't? Duh! Use your imagination! Even a bent paper clip can be a rocket if you imagine hard enough!
Oh, but all the bent paper clips are probably going to be over on Tools & Garden. Just in case you're looking for them.


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If you are interested in the places in Munch's life and would like to get an idea of what Oslo was like when Munch was living here, a stroll around the borough of Grünerløkka is recommended. Munch spent most of his childhood in this area. It is not possble to visit any of Munch's old apartments. However, all the buildings where he and his family lived are still intact, in what is one of Oslo's best kept areas with architecture from the latter part of the 19th century.
Munch's addresses at Grünerløkka
Edvard Munch and his family moved from Pilestredet in the city centre to the newly established Grünerløkka and Torvald Meyersgate 48 in 1875. The lively Torvald Meyersgate has been Grunerløkka's main street since Munch's times.
During the period 1877-1882, the Munch family resided in an apartment in Fossveien 7. While living here, Munch's sister Sofie died of tuberculosis. This was both a devastating and defining experience for Munch, later rendered in the painting Death in the sick room and several other works. The family also lived in Fossveien 9 for some time.
Olaf Ryes plass 4 was the Munchs' home from 1882 to 1883. The buildings that surround this square today are by and large the same as when young Edvard lived here.
Schous plass 1 was the last address Edvard Munch shared with his family, from 1885 to 1889. At this time he was established as an artist, and the first versions of the groundbreaking painting Sick Child was painted here. Today, the building houses Edvard coffee bar, where you can enjoy an espresso in honour of the late tenant.
Telthusbakken and the honorary cemetary
Edvard Munch's burial site is located only a short walk from Grünerløkka. If you follow Helgesens gate westwards you reach a recreational area called Kuba, where you can cross the Akerselva river. On the other side of the river is the picturesqueTelthusbakken, which Munch painted on different occasions while living in Fossveien. At the top of the hill you'll see Vår Frelsers Gravlund, where Munch is buried on the honorary cemetary along with several other Norwegian notables.
Map of Grünerløkka plotting the addresses mentioned above:
Map by Google maps. Photo credits, from left to right: © NatalieManyor (CC BY 2.0); Old Aker church © Munch-museet/Munch-Ellingsen-gruppen/BONO; Olaf Ryes Plass © Munch-museet/Munch-Ellingsen-gruppen/BONO.
Sources: Frank Høifødt. 2002. Munch in Oslo. Damm; www.munch-museet.no


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About CR
Contact Us
Pastor serves Polish food, culture, self-deprecating humor
Apr 05 2008
St. Ambrose, Baltimore, pastor Father Paul Zaborowski, O.F.M. Cap., intentionally chose April Fools' Day to hold the parish fundraiser, "Polish Dinner with your Polish Pastor."
Pastor serves Polish food, culture, self-deprecating humor
Apr 04 2008
St. Ambrose, Baltimore, pastor Father Paul Zaborowski, O.F.M. Cap., intentionally chose April Fools' Day to hold the parish fundraiser, "Polish Dinner with your Polish Pastor."
Internationally musical family credits faith for success
Mar 06 2008
Grinning impishly, 15-year-old Frances Grace Borowsky looked at her parents and declared: "I think they've done a good job so far."
Operation Rice Bowl gives help to a world in need
Jan 17 2008
This month, as Catholic communities across the country observe Lent, a national program lends real meaning to the season of prayer and reflection. Operation Rice Bowl, CRS' annual Lenten initiative, encourages Americans to learn about the effects of global poverty and to pray for the people most affected by social injustice. At the same time, participants in ORB can have a direct impact on global hunger through their contributions, and play a part in CRS' vision of 'one human family' by supporting their brothers and sisters around the globe.
Nun, described as Poland's best cook, releases DVD
Dec 23 2007
WARSAW, Poland – A Polish nun who thought up her best cake recipe in a dream has released a special DVD with tips on her culinary masterpieces.
Vision of 'Populorum Progressio' not yet realized
Oct 19 2007
UNITED NATIONS – If Pope Paul VI reappeared on earth to assess progress toward meeting the challenges he addressed in his 1967 social encyclical, "Populorum Progressio," he would say: "You've done a lot, but you haven't even started – and you've lost a lot of enthusiasm."
If I could save time in a capsule
Sep 26 2007
Time is elusive. Humans are obsessed with it: we pass it, save it, waste it, wish it away, squander it, mark it, buy time, make time, kill time and run out of time. It's all about time!
Yet how do we mark and preserve time? One way is to create a time capsule to capture a family's era. I decided to create our family's time capsule after covering a story about St. Margaret, Bel Air, opening a 30-year-old time capsule in January 2006 and sealing a new one. As they showed me the contents, I imagined what items I would select to place inside of my own time capsule.
St. Peter's whips up 5,200 apple dumplings for fall festival
Sep 17 2007
HANCOCK – In an assembly line that would make Henry Ford proud, dozens of volunteers from St. Peter in Hancock transformed their parish hall into an apple dumpling factory Sept. 12-14 – filling the air with the delightfully dense aroma of sweet cinnamon and fresh-baked apples that attracted visitors from near and far.
And while car manufacturers rely on mechanization to produce their goods, there was no hint of modernity at St. Peter's culinary workshop as workers lovingly crafted each perfectly shaped dumpling completely by hand.
More young women open to religious life
Aug 23 2007
WASHINGTON – Girls often dream of saying "I do" at the altar to their future spouse.
Katrina Gredona hopes she'll be saying those words to Jesus as a religious sister.
"When I look at a community of religious women, I see women who contribute fruitfully to the church and to the world in a very special way and in a very essential way, and I think that's exciting," said Gredona, a student at Seton Hall University in New Jersey.
Ten years ago, Gredona's interest in religious life would have been unique in comparison with the majority of other Catholic girls, as reports indicated a decline in the number of religious sisters in the United States. But recently campus ministers and the vocations directors of some women's religious communities have been noticing a new trend of more young women looking into religious life.
Priest's new project aims to unite families over food
Aug 17 2007
ARLINGTON, Va. – What began as a joke in the kitchen will become a published cookbook this fall and possibly a TV cooking series next fall, said Father Leo Patalinghug, the break-dancing, martial-arts guru who also happens to be a skilled cook.
The media project, "Grace Before Meals," aims to bring families together around the table, said Father Patalinghug, a Baltimore priest who recently was appointed to serve as director of pastoral field education at Mount St. Mary's Seminary in Emmitsburg.
Although there is an undeniable novelty about watching a priest host a cooking show, Father Patalinghug said what is most important is the effort to get families to come closer together.
The cookbook and the show are simply the vehicle to make that happen and to "strengthen families," because families are the "domestic church," he said.
The show, in which the priest will visit families and cook with them, will air on PBS next year if the production company is able to find enough sponsors, said Father Patalinghug, who said family meals are essential to the integrity of the family.
"It's a movement before a TV show," he said. "It's God's movement to bring God's family to his table."
The cookbook, subtitled "Recipes for Family Life," will be published this fall. Each recipe is linked to a feast day in the liturgical year, a family milestone or even disappointments. Cooking gives families a reason to come together, said Father Patalinghug.
Patients cook up recipe book
Aug 15 2007
A group of Mercy Medical Center, Baltimore, cancer patients banded together to develop a cookbook, "Cooking for a Cause with Karen and Friends," as a fundraiser to support The Lymphedema Assistance Fund at Mercy.
What's on the cafeteria menu?
Jul 18 2007
Concerned that your children aren't getting enough healthy food choices in their cafeteria? Well, if Tommy Savvides' company "Tommy's" is making the food, parents have little to worry about.
Faith helps foster care student overcome odds
Jun 18 2007
Living with eight different foster parents over the course of six years isn't exactly a recipe for stability, but 18-year-old Morris Johnson didn't let it hold him back.
With strong support from Catholic educators and a deep faith in God, the young convert to Catholicism made it through Mother Seton Academy in Fells Point and graduated this June from Loyola Blakefield in Towson. He plans to study business at Goucher College in Towson this fall.
A few days after receiving his high school diploma, Mr. Johnson said he is grateful for the opportunities he has received through his Catholic
upbringing. He's not sure where he would be today had he not attended Catholic schools, he said.
'Lemon-aid' stand keeps Libertytown parishioners cool
May 16 2007
Nine-year-old Ashlyn Thomas has always dreamed of opening a lemonade stand outside her house in Libertytown, but there was never enough foot traffic on her street to justify it.
That's not a problem at her home parish of St. Peter the Apostle in Libertytown where hundreds of people gather for Sunday Masses every week.
With the permission of Monsignor John Dietzenbach, pastor, Ashlyn and about a dozen friends began operating a lemonade stand at the parish a few years ago during the summer months. All the money they earn is donated to a special fund to help rebuild the church that burned down in 2004.
Homemade signs advertise the business venture as a "Lemon-Aid" stand.
Eckerl believes in "The Calvert Hall Way"
Mar 20 2007
Over the past two baseball seasons, Calvert Hall College, Towson, has yielded an overall record of 58-9, collared back-to-back conference title championships and developed a system that turns out talented ball players year after year.
The man behind the magic is head coach, Lou Eckerl. Eckerl became the first coach to win Maryland Interscholastic Athletic Association A Conference titles at two schools: The Cardinal Gibbons School, Baltimore, his alma mater, and The Hall, carrying an overall win-loss record of 167-54.


text:
Entries in 'data' (50)
Her Story sells 100,000 units in just over a month
Indie hit Her Story has shifted 100,000 copies in its first month on sale.
Rare gets first UK No.1 in 17 years with Rare Replay
Rare Replay has debuted at the top of the UK All Formats UK Top 40.
LEGO Jurassic Park retakes No.1 spot, Rory McIlroy PGA Tour falls to fourth place
Four weeks after it first claimed the top spot, LEGO Jurassic Park is back to No.1 in the UK All Formats Top 40.
More money is spent on games than movies and music combined, says IHS
Stat trackers IHS has shown its latest market data ahead of next week's E3 - revealing that $92bn will be spent on games this year.
Witcher 3 holds top spot as Splatoon debuts in second place
The Witcher 3 is once again No.1 in the UK All Formats Top 40.
Opinion: Where next for the digital chart?
In March, we combined digital sales with physical to put together an alternative UK chart, and the reaction was incredible.
Physical still dominant despite digital shift
The vast majority of console game sales still come from physical stores, new data reveals.
Minecraft once again dominates App Store charts
Mojang's blockbuster game Minecraft continues to take the top position in both of the iOS charts.
The Witcher 3: Wild Hunt takes the top spot, is the biggest launch of the year to date
It's been an impressive month for Japanese publisher Bandai Namco as it takes its third No.1 in as many weeks with The Witcher 3.
Take-Two joins call for more digital data
The CEO of Take-Two says the lack of digital data in the games market is misleading.
Minecraft most-viewed games franchise on YouTube again in April
Mojang's runaway success Minecraft continues to be incredibly popular on YouTube.
Mortal Kombat X top for third week in a row, retailer promotions help FIFA 15 back to No.4
Mortal Kombat X is once again No.1 in the GfK Chart-Track All Formats Top 40.
Mortal Kombat still No.1, Minecraft: PlayStation Edition shoots up to fourth place
The latest entry in Warner Bros' Mortal Kombat series is once again in pole position of the GfK Chart-Track Top 40.
Grand Theft Auto V was really this week's No.1
Grand Theft Auto V was this week's No.1 game in the UK if digital numbers were included, MCV understands.
Bloodborne tops PS4's March PSN sales chart
From Software and Sony's PS4 exclusive action RPG Bloodborne was the best-selling PS4 game on PSN in March.
Battlefield Hardline No.1 for second week, Bloodborne debuts in second place
Battlefield Hardline has spent its second week in pole position of the GfK Chart-Track All Formats Top 40.
MCV transforms UK Top Ten by adding digital data into the physical charts
Last week's 'official' UK Top 10 chart would have been totally different if digital sales figures were taken into account.
Battlefield Hardline debuts at No.1, is the biggest launch of 2015 so far
EA's new Battlefield game Hardline has debuted at No.1 in the Gfk Chart-Track Top 40.
Dying Light still No.1, GTA V back in second place
Warner Bros and Techland's open world zombie title Dying Light once again takes pole position in the GfK Chart-Track Top 40.
Analysis: Mobile and online prop up the TV ad space in 2014
Henry Degnin, digital account manager at Generation Media, examines how mobile and online properties kept the TV advertising market afloat last year
Grand Theft Auto tops boxed charts in quiet January
January is generally a quiet month for games, and this year it was no different.
New Nintendo and Bandai Namco titles depose Yokai Watch 2 and Pokemon in Japan
Three new entries in the Japanese software charts push down previous top dogs Yokai Watch 2: Shinuchi, and Pocket Monster Omega Ruby and Alpha Sapphire.
Who won 2014? Last year's biggest publishers, games and accessories revealed
2014 was the first full year for the New Generation, and you could tell.
Grand Theft Auto V No.1 for the seventh time; Call of Duty Ghosts back in Top Ten
Grand Theft Auto V is once again No.1 in the GfK Chart-Track Top 40.
Yokai Watch 2 and Pokémon continue to top Japanese charts
Yokai Watch 2: Shinuchi and Pocket Monster Omega Ruby and Alpha Sapphire continue to be the best-sellers in Japan, according to data from Famitsu.


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Roberto Mancini has set his Manchester City players a target of catching up to title rivals Manchester United within seven weeks.
Champions City are currently seven points adrift of Premier League leaders, United but Mancini believes that gap can be bridged by the end of February.
Playmaker David Silva has revealed the target, and said Mancini's players remain confident they can overhaul United - just like they did last season.
City were eight points behind their neighbours with six games to go, but pipped them to the title on goal difference thanks to a late, late Sergio Aguero goal in their final game.
Despite allowing United to build another significant lead, Silva said he and his team-mates believe they can repeat that feat.
"it won't be easy, but our challenge is to be back level with Manchester United by the end of February," said the Spain international.
"Last year we saw how they were in front by quite a lot of points, and we won the league anyway, so it can be done.
"Our goal this season was the Champions League. But now that chance has gone, we want to win the Premier League and dedicate the achievement to our fans.
"The only way to do it is to work harder every day and to avoid more stumbles. Perhaps being knocked out of Europe had an influence.
"But now we need to react and to demonstrate that City are the English champions and intend to remain so. There is a long way to go, but we can't allow United any more advantage at the top of the table.
"The future is in our own hands but we have already shown how powerful we can be during our worst moments in the past year."
Silva admitted there was a lot of "anger" in the City dressing-room following their shock 1-0 Boxing Day defeat at Sunderland.
That loss allowed United to stretch their lead to seven points after 19 games, the halfway stage of the Premier League campaign.
But since then, City have responded with wins in their last two league games, scoring seven goals in the process.
"The defeat at Sunderland was a hard blow for us to take," said Silva. "Nobody believed we would lose.
"As a team we have a huge desire to repeat our title success - nobody should have any doubt about that. But we know the Premier League is very open and if you give away chances, you can be beaten.
"Even so, there was a lot of anger in the dressing-room at Sunderland - and not only from the coach.
"Those three points were so important, because in our situation they could make the difference between winning and losing the title.
"If we don't win at places like Sunderland, it's nearly impossible to fight for success in this league.
"We have spoken about all this, about our irregular form. It's not a question of a lack of quality or bad luck.
"Rivals know how to play against us and each time they make it more difficult for us to win."
Click here to find out why Manchester City's Mario Balotelli will DEFINITELY be playing fair this weekend.


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King City Knights Inn/Pasco WA
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
- Free High-Speed Internet
- Continental Breakfast
- Free parking
- Pets allowed
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- Free High-Speed Internet
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TripAdvisor Reviews Knights Inn Pasco/King City
Travel Blogs from Pasco
Count down!
Well, my countdown clock says I have 1 day and 4 hours until my trip, actually have a few more hours than that but not too many... Will be leaving this Friday at 7ish am. Am getting ready, still lots to do, but thought I'd practice how to blog and reacquaint myself with how to manage the entries, etc... I have to relearn everything when I don't ...
Washington is a very long state
... and it was a great way to kill time. We didn't really learn much about each other that we didn't really know except that Justin's choice superpower was to control time and mine was to be like Kitty Pride and phase through things.
We didn't finish the questionnaire either because arrived at our destination,but it was a good way to pass the hours of boring Washington highways.
We arrived at the hotel, checked in, then via yelp, I found an ...
Wow, the scenery is amazing
... view is kind of boring as we head to Walla Walla and on into Oregon. There is a bakery in a place called Pasco, where, in the past, we always stopped for goodies. I'm hoping they are closed when we go through...but Ron is looking forward to stopping in. We stopped for lunch at a park called State Line, right where Idaho and Washington meet on Interstate90. There is parking for big rigs and RV's. It was quiet and almost empty, unlike the one we had ...
Horseback Riding in Montana- Off to Washington!
We had the absolute best morning at Dunrovin Ranch, if you are ever in western Montana - you need to go there. It is beautiful and the people are so nice and welcoming. This was an awesome experience for us all. This morning Claire and Oriah and I went down bright and early to watch the horses come up from the pasture to eat- it was really cool an they loved seeing all twenty of them run up the hill to the stables. Then after breakfast, a walk to the river ...
Gorgeous spot to sit out RV repairs
... us up the long grades, repeated soft sounds of backfires made us nervous. Only once this day did Joe have to pull it over to cool off during the climb, but we didn't want to take chances. Rather than wait until Everett, Washing, where our new friend suggested we use the mechanics he trusted, we felt that it would be risky to go any farther. Just the day before, in Boise, the tow car (Toad), a 1995 ...


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@import "compass/css3";
div {
border: 10px solid transparent;
border-bottom-color: #D94948;
width: 0;
height: 0;
@include transform(rotate(10deg));
As a PRO member, you can drag-and-drop upload files here to use as resources. Images, Libraries, JSON data... anything you want. You can even edit them anytime, like any other code on CodePen.
Also see: Tab Triggers


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Bearcats Finish Second at Rain-Shortened Telich/Sunlife Financial Invitational
Sept. 29, 2009
CHARDON, Ohio - The University of Cincinnati men's golf team finished second at the rain-shortened Telich/Sunlife Financial Invitational on Tuesday (Sept. 29) at the Sand Ridge Golf Club.
Freshman Zack Bates (Chagrin Falls, Ohio/Kenston) fired a two-round total of 73-76=149 to finish in a second-place tie. Fellow frosh David Tepe (Liberty Township, Ohio/Lakota East) was four strokes behind at 79-74=153 and finished in a tie for ninth.
Junior Joe Kastelic (Newton, N.C./Fred T. Foard) and freshman Andrew Desmarais (Union, Ky./Ryle) finished in a tie for 13th, shooting 79-75=154 and 74-80=154, respectively.
The Bearcats posted a team total of 305-305=610, 12 shots behind team champ Malone, which carded rounds of 295-303=598.
Tournament host Cleveland State finished ninth with rounds of 322-307=629.
The third round was washed out due to heavy rain in the Cleveland area.
UC will next be in action on October 5-6 at the Notre Dame Invitational in South Bend, Ind.


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text: Could you also share your multipath.conf file. Regards, Pradipmaya. 2008/2/12 Greene, Rick <rick greene ncogroup com>: > I never saw any response on this, though a side comment on my other > thread did get one query that I tried to direct to here, so I figured > I'd repost and see if anyone had any ideas. > > Re-attaching the original docs as well. > > Thanks in advance, > Rick > > -----Original Message----- > From: dm-devel-bounces redhat com [mailto:dm-devel-bounces redhat com] > On Behalf Of Greene, Rick > Sent: Thursday, January 31, 2008 3:20 PM > To: device-mapper development > Subject: [dm-devel] Multipath not rebuilding correctly on reboot > > Now that I seem to have multipath and my XP 1024 working together, I've > found a new issue. Someone recently had a similar thread going, but I > saw no ultimate resolution. > > My problem is that when I reboot my server, the multipath configuration > is not coming back the way it was before. I moved the two external > tools I use to find the UID into /etc (they had bin in /usr/bin and > /sbin), updated the multipath.conf file (and one of the scripts) to > reflect this, but odd things are still happening. > > Attached is initial_view.txt, which shows what multipath is coming up > with when I do the commands shown (the bulk of the file is multipath -v3 > output, but at the bottom of the file is a multipath -ll output as > well). It (seems to) correctly shows that I have 4 disks, each visible > via two separate paths. > > After I reboot, however, I get different results. Once it showed 4 > paths for mpath0, and 2 paths for mpath1, 2, and 3. Next time it > correctly showed mpath0, mpath1, and mpath3, but didn't show mpath2 at > all. On the next attempt I got everything correct, and the very next > one only showed mpath0 and mpath1. > > The post_reboot.txt file shows the contents of the /var/log/boot.log > file and the output of the dmesg command, along with the "multipath -ll" > view from the most recent reboot. > > I then manually did a "multipath -v2" and the missing two paths then > came back. The file manual_run.txt shows those results plus the updated > "multipath -ll". > > Do I need to just make my own /etc/init.d script to do a "multipath -v2" > at the end of booting to make sure it all gets covered, along with the > requisite LVM & mount commands to get the VG that is on these disks > working right? > > Thanks in advance, > Rick > > > > > -- > dm-devel mailing list > dm-devel redhat com > https://www.redhat.com/mailman/listinfo/dm-devel >


text:
TODAY'S MICK-nugget
Bill Mick LIVE PODCAST
6AMHR. - Local soldier benefit this weekend, college R's banned from Obama speech and Christie: Libertarianism dangerous.
7AMHR. - FEDS want your passwords and Zimmerman juror speaks out-but listen to it all.
8AMHR. - Sheriff Wnye Ivey talks to Bill about home burglaries and how the Sheriff handled an incorrect report about his office in the national press.
Lincoln memorial vandalized overnight, read more on this and other news highlights.


text:
ED Magedson – Founder
Ripoff Report
NCS LAW GROUPInternet USA
NCS LAW GROUP Legal group of attorneys harrassing emails wanting money Internet
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
This is an email that was sent to me today:
Dear Debtor,
The case will be downloaded on Monday (December 2nd 2013) and you will be soon served with the court papers due to non-payment after so many reminders. If you want to avoid these legal consequences we merely require you to get back to us with the payment, you can either e-mail back or call on the phone number given on the bottom of the e-mail
Thank You
(315) 215-0407
If you do not want to receive any newsletters, Click Here <emaila.exultsoft.biz/exultsoft/lt.php?id=LE0JVFMGVFQCVEtWBwdRAB4=AQkIUg4ZVA1YB09UW1hwDURRAQJaEAwYC0UB>
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