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|This is a discussion on How loosely do you play AK? within the online poker forums, in the Tournament Poker section; It seems to me that many players play AK as if they were the nuts. I see people going all-in with this hand so often
|: How do you play AK?
|I always go ALL-IN preflop with AK
|I usually make a significant raise with AK often "pot-committing" myself
|I make a healthy raise with AK but will not hesitate to lay the hand down pre-flop
|I tend to go ALL-IN preflop with AK ONLY when I am shortstacked
|I tend to go ALL-IN preflop with AK ONLY when I am not covered (i.e. no player can bust me)
|I tend to go ALL-IN preflop with AK ONLY when I am shortstacked OR not covered
|AK is tricky; U will win many hands with it but U will bust out of many tourneys with it as well
|Multiple Choice Poll. Voters: 53. You may not vote on this poll
How loosely do you play AK?
It seems to me that many players play AK as if they were the nuts. I see people going all-in with this hand so often mostly preflop but even post-flop with no improvement in the hand.
My own experience with AK has been varied but I try not to play the hand so aggresively. After all, in the absence of a hit on the flop, turn, or river, AK is simply Ace high.
Now I used to go all in with this hand regularly when I first started playing but I soon realized that it didn't make much sense to take that kind of risk if doing so meant I would risk tournament elimination. A draw is just a draw. Why put all your chips in? Of course, this play makes more sense to me when you are not covered and perhaps also when you are severely shortstacked. I find myself not only losing with AK very often but also eliminated from a tournament because of my unwarranted faith in the hand.
Was wondering how other people on this forum perceive AK and tend to play it.
In micro tourneys in the early stages you can shove AK preflop, because the crazy weak players are still in the MTT and you get full value, because they call with all sorts of crap (any ace , any paints, any suited crap etc.) so you get lots of 70:30 and 60:40´s.
re: Poker & How loosely do you play AK?
AK is a hand I often see misplayed in tournaments...at times I will see people open limp with it..and this is a huge mistake as your lowering your equity by allowing others to take a cheap flop...AK is a hand you want isolated often and you should be playing it aggressively regardless...if your not 3betting with AK...you better have a good reason to flat...early on in tourneys AK is a hand ill flat raises with preflop...in mid-later stages I will never flat with it...by raising or 3betting we give ourselves a chance to win the pot preflop and potentionally take a pot down by cbetting the flop...and we will often get paid off if we hit our hand...AK is a great hand to 3bet shove with when <20bb as you will rarely be crushed....its an undervalued hand and you have to realize it has more equity vs random hands than small pairs! That's often why its much better to call off allins with AK than 44 for say...if your folding AK in spots because its "just ace high" what are you really waiting for
it is funny... because i indeed sometimes open limp with AK at agressive tables (from my experience for instance with lots of brazilian, portugease and greek players), because it is almost 100 % sure somebody raises. Then i re-push (like trapping with open-limped Aces LOL)...sometimes i even open-limp-trap these tables with AQ or AJs (!!) because i am almost always ahead, because they "punish" my limp with all sorts of crap (KQ, A9 etc...)
of course i proceed with caution in a multiway pot, even with TPTK, if nobody raises, but again..the micro world nowadays is very aggro
AK is tricky so just shove when shortstacked (less than 10 blinds and not in the bubble)
at the beginning ot mtt i fold them most of time and when somebody raise before and i hold a middle to large stack i could fold or maybe call (when a cheap flop) but i dont risk my stack if im running deep and well against a significant raise or a shove which could vanish my stack more than one third
personally.. I tend to be very aggressive with AK pre-flop..try to build a nice pot in case I hit.. but my experience with AK isn't all that good.. most of the time I do not hit the flop and sometimes even lose..
I have a better record with Pockets 9s and Pocket Ts as compared to AK.
It all depends on the situation. If it is early in an MTT, blinds are small, then I'll raise it up 5-6x BB. IF someone has raised before, sometimes I will just call to try to disguise the strength of my hand. Then the flop will dictate my next course of action. If I'm shortstacked in an MTT, then it's an automatic shove. If I have a large stack and we're near the bubble, I will do a significant raise, but I will watch out for a re-raise, especially if it is from someone with a bigger stack or someone who could do some serious damage to my stack.
It honestly depends on the players you are sitting with. There is no single working strategy in Holdem.
You have to observe the players "style" at your table before making any moves.
I find one thing always seems to work.
Just Call/Check
I think your main goal in poker should be to be confident in your hand.
Even if you have bullets you should assume that you can be beat pre-flop.
I tend to always try and let my opponents feel like they are in control of the hand.. Let them bet.. let them make mistakes and be a tell.
If you pair up at flop wait to raise until the turn or river. Let your opponent get a hand.
If they raise on the turn and you think you have them beat.. Just call... take your time to.. make it appear to your opponent that you are trying to hit it on the river or have a weak hand.
If you know they have a hand and they bet when they do... on the river check it to them.. when they raise.. Re-raise them. By then they are so sure they are going to win that they will at least call.. or re-raise again.
This works for me 95% of the time the only time it doesn't is when someone was trying to bluff.. In which case they will fold if you make a bet anyway.. At least now you've made some chips off of their mistakes, and more people may have stuck around for the showdown.. with weak pairs, and no indication or tell from you that you may have something good. ...
If you want to be confusing you have to be consistent with your betting (regardless of your hand). Personally id rather get to at least the turn for the cheapest possible amount. As anything can happen for your opponent in the last two cards.. At which point folding will not be so hard for you!
Hope I made some sense. Have fun trying this strategy.
P.S. what tends to happen when I play this way is people get wise and conservative. They become weary of betting or calling anything (and fold a lot).. No you wont be able to make huge pots frequently at this poin, but you have the unique opportunity now to be a bully and a bluff. Play aggressive.. Be a tell and profit off of folded blinds.. maybe even lose a hand or two on purpose.. making people think you were just a lucky ass earlier. Build their confidence and or anger!
A lot of posts are indicating they play very passively with AK due to difficult post flop situations. It seriously surprises me.
Whenever I play a tournament I've learnt to only play for 1st place, so with this mind set aggressive play is the most fundamental key to winning. No matter what stage of the tournament I'm in, im looking to play AK as aggressively as possible. Most players here aren't playing and an EPT or the ME where the starting stacks are ridiculously deep, we're playing online MTTs which you generally start with 3000 chips and after just an hour that 3000 chips will be worth 30BB.
I'd prefer flipping with AK vs QQ in the first level and having the chance to build an early stack rather than having to play a high variance shoving game so the blinds dont eat you alive.
I'd prefer to be accumalating chips by stealing the blinds with small raises then bluff shoving against steals.
Tournament poker is about specific situations & it would be impossible for me to pick any of the options in this poll because none of them even remotely describe the things I'm considering when playing it.
I mean there's the obvious things like open-shoving on a ss
but there's way too many variables in most situations to try to generalize what I would do with a specific holding
I used to go all in A-k suited or off suited and lose all my money in early hands, now depending on my position, how many players folded before me and my chipstack I usually just call and see how well I connect with the flop and go on from there. I've learn to become comfortable with folding these hand in certain situations as well.
How I play AK depends on what stage of the tourney I'm in .Final table is an auto shove ,In the money is a shove.BFM(BEFORE THE MONEY) I'll put in a preflop raise with a post flop bet no matter what.Most the time people have pocket QQ'S If they go all in before you, I have seen KK but it's more often QQ OR JJ.AK is really the jeckle and hide of poker when hits it's a beautifull thing and when doesn't ,better luck next time.
I wonder what it means to make a small raise???? when you have AK on hands and you have A3+K3=6 outs multiply them preflop 4=24% chance of dropping out of the right cards ! and yet you have outs for a straight =)
basically playing scared hehe
Deep you shouldnt get all excited for it, thats obviously, but most here i think play turbos, so AK is exciting to chip up... but i always get the chills when someone with a bigget stack is about to call... even if they have A8 i am always beat by the river lol
I've commented on several occasions that I have seen more chips won and more chips lost with A-K than any other hand. This is mainly due to player's willingness to go all-in pre-flop with this particular holding.
While I'm generally not going to open shove with or get into a pre-flop leveling war with A-K, I am not always willing to fold it to another player's aggression. I used to be more willing to fold it. But the more I play, and the more I see the hands that certain players are willing to go all-in before the flop with, the harder it is for met to lay A-K down.
You have to know who your playing against... If I'm playing against a manian who raises before every flop I will 3 bet or shove over the top of him. If a bit raises I'm more likely to just call to see a flop. If a few people have already shoved in front of me, I might lay it down, especially deep in a tourney when you don't want to be playing a drawing hand for all your chips before the flop
AK is a premium hand but it's so dangerous even you got A or K on the flop, i always play it agressively but not pot commited to prevent call with speculative hands , after if i hit top pair on the flop i will c-bet 70% of the flop; either i will check or C-bet regardless of the number of oppenements and their statistics ( PFR ...)
re: Poker & How loosely do you play AK?
If someone has Aces or kings then they are a massive favourite against Ace-King but that is a small chance of it Ace-King is my favourite hand in tournaments if i have to i will go all in with it from any position in general i 4 bet them and play them like aces from their on lol

subset: commoncrawl


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Refresh leftovers with vinaigrette.
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Credit ratings provide a useful measure for comparing fixed-income securities, such as bonds, bills and notes. Most companies are issued a rating based on their financial strength, future prospects and past history. Companies that have manageable levels of debt, good earnings potential and a good debt-paying records will have good credit ratings.
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Any time that you purchase or sell bonds, bills or notes, they will have an associated credit rating. This rating changes over time as the company's strength and debt load changes. If a company takes on more debt than it can handle or if its earnings outlook weakens, the company's rating will be lowered. If it reduces its debt or finds a way to increase potential earnings, the company's rating will usually increase.
To read more on this topic, see What Is A Corporate Credit Rating, Junk Bonds: Everything You Need To Know and High Yield, Or Just High Risk?
How are junk bonds rated differently by Standard & Poor's and Moody's?Learn how credit rating agencies rate bonds with junk bond status, and understand how downgrade risk can impact the price ... Read Answer >>
Which securities are considered investment grade?Learn which securities are considered investment grade by credit rating agencies such as Standard & Poors and Moody's and ... Read Answer >>
What are the highest-yielding investment grade bonds?Learn how Standard & Poor's and Moody's rate bonds. Understand what investment grade bonds offer the best yield. Read Answer >>
Where can I find information about corporate bond issues?Learn information about corporate bond investments, including where investors can access information about new corporate ... Read Answer >>
How can I tell if a security is considered investment grade?Understand how Standard & Poor's and Moody's rates securities. Learn what types of ratings types go into evaluating the investment ... Read Answer >>
How do I compare one junk bond to another?Discover how to identify, select and compare junk bonds. Learn the role that risk, yield and opportunity cost play in investing ... Read Answer >>
When To Trust Bond Rating AgenciesDespite investor distrust, rating agencies can be helpful. Just be sure you use these ratings as a starting point.
What does Investment Grade Mean?Investment grade is a term used to describe a favorable rating for corporate and municipal bonds.
What Is A Corporate Credit Rating?Is the bond you're buying investment grade, or just junk? Find out how to check the score.
Explaining Bond RatingsA bond rating is a grade given to a bond to indicate its creditworthiness.
Explaining Credit RatingsA credit rating is a third-party assessment about the creditworthiness of an individual or entity.
Junk Bonds: Everything You Need To KnowDon't be fooled by the name - junk bonds may be for you if you know how to analyze them.
Financial Advisor
Advising FAs: Explaining Bonds to a ClientMost of us have borrowed money at some point in our lives, and just as people need money, so do companies and governments. Companies need funds to expand into new markets, while governments need ...
The Debt Ratings DebateLack of competition and potential conflicts of interest have called the value of these ratings into question.
Why Bad Bonds Get Good RatingsCredit ratings are not the only tool to rely on when assessing bonds. Find out why they sometimes fall short.
Investment GradeA rating that indicates that a municipal or corporate bond has ...
Bond RatingA grade given to bonds that indicates their credit quality. Private ...
Junk BondA colloquial term for a high-yield or non-investment grade bond. ...
Default RiskThe event in which companies or individuals will be unable to ...
A-CreditThe highest credit grade available as assigned to a borrower ...
Collateralized Bond Obligation - CBOAn investment-grade bond backed by a pool of junk bonds. Junk ...


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Oklevueha NAC welcomes people of all races, nationalities, religions and lifestyles without prejudice. To see information about recent public events, take a look at the Rotary International World Peace Conference. Enjoy the video presentation here. A recent article in the Huffington Post highlights some of our members and the wonderful works they are involved in. Take a look here to see how we are supporting the protests against the North Dakota Pipeline.
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Shaheen, the most sought-after Democrat in the state, had steered clear of the presidential race to focus on teaching. Her endorsement of the Massachusetts senator was no surprise given that her husband, Bill Shaheen, is running Kerry's New Hampshire campaign.
But the timing was unexpected since Shaheen had agreed to moderate four candidate forums next month. The announcement also came shortly before Kerry's top rival in New Hampshire, Howard Dean, was speaking in Boston — Kerry's turf. Dean maintains a double-digit lead over Kerry in state polls.
"Vacation's over," Shaheen said at a news conference with Kerry outside his campaign office here. "The stakes are too great in the next presidential election for me or anyone who cares about this country to stay on the sidelines."
Shaheen shattered the glass ceiling in 1996 when she was elected New Hampshire's first female governor and its first Democrat in 16 years. She made it onto Al Gore's short list of potential White House running mates in 2000. And last year, she came close to being the first Democrat elected to the Senate from New Hampshire in nearly three decades.
After losing the Senate race in November to Republican John E. Sununu by about 20,000 votes, Shaheen spent the spring semester teaching at Harvard's Kennedy School of Government.
Shaheen, 56, was born in St. Charles, Mo., and grew up in a Republican family. She and her husband settled in New Hampshire in 1973, and three years later she worked on Jimmy Carter's winning campaign for president.
In 1984, she helped Colorado Sen. Gary Hart score a primary upset of front-runner Walter Mondale.
From 1976 to 1988, Shaheen juggled raising three daughters with running political campaigns, both presidential and at the state level. By 1990, she decided it was time to run her own, for the state Senate.


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While it's not something many of us talk freely about, your stools—their appearance and frequency—say a lot about you!
The state of your stool can give you some clues about:
In 1997, a researcher and professor at the University of Bristol named Kenneth Heaton created the Bristol stool scale. Heaton and his colleagues suggested that stool size and consistency are two useful ways to measure transit time.
Paying attention to your stool can give you important clues about your health. Your stool transit time reflects the health of your digestive tract and can even indicate the presence of infection.
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According to the Bristol stool scale, healthy elimination is:
Small, hard lumps or cracked, lumpy stool are signs of constipation—or slow transit time. Even if you have a bowel movement every day, you may be slightly constipated if your stool is released in small, hard lumps.
Watery stool with undigested bits of food or stool that is released in small, formless blobs is classified as diarrhea—and this indicates fast transit time. If you have fast transit time and eliminate multiple times a day, but your stool is well-formed, you do not have diarrhea.
Chinese medicine and the language used in Chinese medicine give us a little more insight into stool analysis. For example, just like the Body Ecology Diet uses the principles of Expansion and Contraction to understand the nature of food, Chinese medicine uses the principles of excess and emptiness to understand the body.
Constipation that is the result of excess is accompanied by other signs of heat within the body. This includes:
Another sign of excess is when stools are difficult to pass—this is a sure sign that the liver is congested.
When the liver is congested and when the bowels are congested with signs of heat, it is a good time to cleanse. We also recommend herbs that support the liver and healthy elimination, like milk thistle, wasabi, artichoke leaf, and sarsaparilla.
Constipation that is the result of emptiness or deficiency is accompanied by signs of coldness. In this case, the body doesn't have the energy that it needs to fully eliminate.
Signs of coldness with constipation include:
An example of a condition that often involves constipation with emptiness is hypothyroidism, when the thyroid is underactive and the body's metabolism suffers.
This would be a good time to nourish the body with restorative, nutrient-dense foods like bone broth, full-fat dairy kefir, and even Chinese herbs that rebuild your energy reserves, such as Activate the Qi.
Like constipation, you will see signs of heat with diarrhea if there is excess, and it's time to cleanse.
These signs of heat with loose stools include:
Parasites, food poisoning, and Crohn's disease are examples of diarrhea related to excess in the body. In this case, it is important to remove common dietary irritants like wheat gluten, milk casein, and added sugar. Foods that both cool and rebuild the lining of the gut are key.
We recommend coconut water kefir, which is cooling and soothing to the intestinal tract. We also recommend Vitality SuperGreen, which contains herbs that specifically support intestinal health and stop inflammation.
When the body runs low on energy or is chronically exhausted, loose stools or diarrhea will be accompanied by signs of emptiness. Sometimes this exhaustion is constitutional. This means it begins in childhood, and there are also signs of a weak immune system, like frequent infections.
Diarrhea with signs of emptiness include:
When the stools are loose and watery with other signs of emptiness, it's important to think long-term and choose a lifestyle that supports digestive health.
Working with principles of food combining or the Body Ecology Principle of 80/20 sets you up for digestive success, meal after meal. In addition to eating nutrient-dense foods, we also suggest gently rebounding on a mini trampoline. This can improve the circulation of lymph fluid, generate energy, and rebuild the Earth element, which in Chinese medicine is responsible for digestive health.
The state of your stool is a great indicator of your internal health. There are four important stool guidelines you can use to measure your health:
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US Outlook So, what did we learn from furious debate over the fiscal cliff? Lesson number one has to be that even central bankers, despite their reputations for wonkishness, are vulnerable to the occasional bout of melodrama.
The term fiscal cliff, after all, is widely attributed to that doyen of monetary policy makers, the Federal Reserve chairman, Ben Bernanke. His imagery implied sudden economic catastrophe, as if a minute's delay in a budget deal would send the United States economy hurtling down into some dark economic abyss.
And yet everyone knew – Mr Bernanke knew (more on this later) and the politicians so theatrically prevaricating in DC knew – that 1 January wasn't so much the deadline for doom, but rather a milestone. Had a deal not been struck, the economy would have begun going down a troubling road that, in time, would have spelt slowdown and eventually recession.
Lesson number two is that sometimes a deal is not a deal, no matter how spectacular the "relief rally" on the markets.
The Biden-McConnell pact, besides green-lighting a tax rise for some 160 million Americans by allowing the expiry of the payroll tax holiday, which kept payroll levies down by 2 per cent, has left perhaps the most important issue unanswered. The government's room for manoeuvre on the debt ceiling, that uniquely American construction which puts a cap on the money the federal executive can raise by issuing debt to pay for programmes authorised by Congress, will run out as February comes to a close.
A failure to raise the limit would mean that the government runs out of day-to-day cash. And such paralysis would constitute a sudden blow. Not that it'll happen, of course. We have been here before, when, in 2011, the politicians waited until the last minute to do what they knew they eventually had to do.
And yes, they did provoke a downgrade of the US credit rating. But, despite the warnings from the likes of an erstwhile private-equity executive called Mitt Romney, who called the rating cut a "meltdown", and a bright, young Congressman called Paul Ryan, who in his mind's eye saw a debilitating tide of rising mortgage rates, the US survived the downgrade just fine (and mortgage rates fell). Whether the ratings agencies like it or not, US Treasuries have a deep market, deep enough to survive the scribbles of some agency analyst spooked by DC politics.
A deal, then, remains likely, as does the requisite brinkmanship in the run-up to its eventual announcement. Which brings us to the question of why Mr Bernanke, who is more expert in these matters than any newspaper writer, played up the hype.
Perhaps because he understands that while a little hype might irk one or two of his colleagues in the academy, it doesn't hurt in this most polarised of political arenas to put some public pressure on Congress, to push the senators and representatives to momentarily take off their ideological blinkers and accept economic reality. And so, maybe it's time for another coinage. Debt storm? Debt canyon? Over to you, Mr Bernanke.
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Hi there! Just stopping by to share a card I made for my cousin's birthday last week. It's a very simple card - although placing those hearts in neat rows was a bit of a nightmare :) I do love those rainbow colours though. So bright and breezy! And I thought the 'Wild Things' quote was perfect for a 23 year old. I used only a few simple embellishments - a handful of rhinestones and a pair of lime green bows. Nothing too complicated or fussy. This card is all about colour.
Stamp - Darkroom Door
Ink - StazOn jet black
Card - Bazzill, white
Embellishments - Kaisercraft rhinestones, ribbon
Tools - Carl heart punch


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Doug Morgan, the tour manager, said: "Nichol was examined again this morning and we were advised by the medics that he would not be available for the next two games. We had no alternative but to send him home."
The tour has already taken a heavy toll as last weekend Craig Chalmers, Rowen Shepherd and Ian Smith all returned home and it is expected that Jamie Mayer, the young Watsonian centre, will also be out of the tour after injuring his ankle on Wednesday.
Nick Greenstock, the Wasps centre who made his international debut on the recent tour of Argentina, has been named as Will Greenwood's replacement for England's one-off Test against Australia in Sydney on 12 July.
Greenwood was ruled out after being concussed playing for the Lions against Free State Cheetahs on Tuesday.
England have been forced to make two further changes, with the Bath winger Jon Sleightholme coming in for his team-mate Adedayo Adebayo, who has a groin injury, and Leicester's Richard Cockerill takes the place of the Gloucester hooker Phil Greening.
Nottingham have failed to sign the former England winger Rory Underwood. Although Underwood held talks with Barrie Corless, Nottingham's director of rugby, he now seems likely to link up with Bedford. Corless has instead secured the services of Tom Reynolds, a 26-year-old farmer, who was unable to commit himself to full-time training with Leicester.
London Scottish have signed a New Zealand Barbarian and four players who were in the top flight of the national league last season. Stand-off Jamie Cameron, 27, played seven Super 12 matches for Wellington Hurricanes in 1996, when he was top points scorer in New Zealand. With a Scottish grandfather, he is hoping to catch the eye of the Scotland selectors.
Cameron's half-back partner will be Steven Cook, 23, who has joined the club from Orrell, and London Scottish have also signed three players from Harlequins: the No 8 or second row forward Mick Watson, flanker Simon Owen and centre Rhodri Davies.
Australia have dropped a plan to play the All Blacks at Twickenham later this year, but they could play Scotland at Murrayfield instead.
The Wallabies are negotiating with the Scottish Rugby Union for an international to follow their November tour of Argentina. John O'Neill, the Australian Rugby Union chief executive, said the Scotland match would go ahead if the SRU tripled its offer from pounds 100,000 to pounds 300,000.
O'Neill claimed South Africa were initially offered the larger amount for a similar one-off match and the Australians were seeking the same fee.
- More about:
- Argentina
- Rugby Union
- Shane Warne
- Shane Williams


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Connecting to Yale University
March 27, 2012 - 12 AM
Yale Law School is an extraordinary place. And it's extraordinary not only because of everything that takes place at 127 Wall Street (which is quite remarkable), but also because of the opportunities we have to connect with Yale University as a whole.
First, and perhaps most officially, are joint degree opportunities. A number of my closest friends are pursuing joint degrees with other schools here at Yale, including the Divinity School, the Forestry School, and the Graduate School, just to name a few. A few weeks ago I actually did an admissions interview with the Yale School of Management, as I'm considering tacking on an MBA. Thanks to a new, innovative partnership between YLS and the School of Management, students can obtain that joint degree in just three years.
Second, there are multiple opportunities to connect with the University by working as a Research Assistant or a Teaching Assistant. This semester I've had the great fortune to work with one of Yale University's all-star professors by serving as his Teaching Assistant for an undergraduate political science course in American public policy. Each week I attend the lectures, meet with the professor, teach two sections, develop assignments, and grade papers. While the workload can be significant, I can say that it's been one of most fun, valuable, and worthwhile things I've done since coming to Yale. And, for what it's worth, the pay is quite nice as well!
Finally, there are a host of other, less formal ways that we can take advantage of all the opportunities offered by Yale University. There are lectures, concerts, and conferences (just this year I have already attended one on philanthropy at the School of Management and another on environmental policy at the School of Forestry). There are sporting events (believe it or not!) and theatre at the Yale Rep. And, of course, there is the beauty of the campus, and very little can rival walking through the quads on a gorgeous sunny day.
In short, there are endless opportunities, not just at Yale Law School, but also at Yale University. The only sad part is that there's no way to take advantage of them all, but I suppose that's a very good problem to have.


text: Patty Davis is a highly sought-after florist in the middle Tennessee region. In addition to her private busines, Flowers by Patti, she is also a high quality floral instructor and wedding planner. Patty has been with the Community School of the Arts since 2012. In that time she has instructed classes and workshops in wreath making, floral arranging, and wedding preparation. Currently, she is spending most of her time making brides' dreams come true with her almost magical wedding coordination. Join Patty at the CSA to learn the tricks of the trade such as how to create the perfect table centerpiece, how to add color to your home with both fresh and silk flowers, and how to have the wedding of which you have always dreamed.


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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
when my daughter turned 17.5 SSI sent a form saying IF they are 18 and in college they can still collect benefits fill out the form and return we did all the leg work and my daughter took it in, I was at wrk coudlnt take off. lady told her NEVER heard of it. I called 800 they said call local office. now she is 19. I am hearing YET again that YES it is TRUE as long as she is a STUDENT she can collect survior benefits. So why does a lady living in nv collect for her 19 yr old son in nv from nv and I am getting the NEVER HEARD OF answer. This is an Honor high school graduate student. Her father is deceased. I would think SSI should help his kid out since he passed in 2006 and they only got high school finance from survior benefits, they cant help fund education or discount their eduaiton
Look at the SS website and you will see that the benefits do not apply to a 19 year old in college. Here is link. http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/185/~/requirements-for-survivor-benefits
The information you obtain from this website is not legal advice. Please contact us at 954-916-2667 or Dugandisabilitylaw.com in Florida for a FREE evaluation and legal advice pertaining to your particular claim. We give telephonic consultations and handle claims electronically nationwideAsk a similar question
I agree with Mr. Dugan. The child can collect survivor's benefits up to age 19 if they are in school below College level. Once they turn 18, they have to still be in high school or some other type of schooling below college level in order to collect the benefits.Ask a similar question
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text:
The Royal College of Midwives warned Gordon Brown that he would "pay the electoral price" for any failure.
Dame Karlene Davis, general secretary of the college, said the experience of singer Charlotte Church showed that women in Wales got a better deal than in England. Miss Church, 21, who has a baby girl with rugby player Gavin Henson, is believed to have had a water birth last week at home in Glamorgan.
Dame Karlene said: "Why should it be possible for Charlotte Church to give birth at home in water and for women in England not to have that opportunity?"
The Welsh Assembly set a target for home births of 10 per cent. The average stands at 3.6 per cent but is higher than anywhere in the UK. The average in London is under two per cent.
Dame Karlene spoke out after Health Secretary Alan Johnson promised 1,000 extra midwives within two years. The college says 5,000 are needed.
Dame Karlene said: "Where are they going to bring back 1,000 midwives from? It takes three years to train one."
She told a fringe meeting of the Labour conference in Bournemouth: "Let me be nakedly political. Get maternity services right and you get people thinking and feeling better about the NHS as a whole. Get maternity services wrong and you will pay the electoral price."
- More about:
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text:
Storms on the Horizon
Introduction and teaser
Authors Introduction
I shouldn't have ideas. Or, more accurately, I should have less ideas. I can't seem to finish one without four others cropping up. Now if enough people like this one I'll see what I can do but I can't promise anything.
Patrick Troughton Is one of my all time favourite Doctors and given what he had to do which wasn't just sell that he was the Doctor but make us believe in the concept of regeneration that's saying something. He could have done a carbon copy performance of Harnel and no one would blame him but instead he brought his own to the role and helped shape it into the greatest sci-fi character ever written.
One of the great things about the Doctor is his companions, they are often the best humanity has to offer. With Amy as one of the best, there is something about Scottish companions that push them head and shoulders above their colleagues.
Hang on... Scottish, companion, Second Doctor... Here we go!
Because throwing some characters together without a plot is a little crass and indeed plot-less. I'm going to have to give a reason for it and there's a couple of ideas I want to get out of the way. So the BBC own Doctor Who and MGM owns Stargate SG-1. I don't own any of them and do not intend to make any money from their use.
There were a lot of things James McCrimmon, piper for the clan McLaren and traveller in time and space, didn't like. Big armoured men with strange quarter-staffs that launched fireballs had very quickly gone to the top of his list.
The Doctor was about to take them to a holiday planet. Victoria was tired and if Jamie was honest so was he. A holiday on the Eye of Orion sounded nice. Right up until the point when the TARDIS lurched to one side like a small raft smashed against the rocks of a shoreline.
Almost as soon as they landed the Doctor panicked, even worse than usual and began flicking all sorts of switches Jamie would have sworn weren't there before. By the time Jamie had helped Victoria up to her feet the Doctor had bolted for the doors. There was something terribly wrong. Jamie followed the Doctor out, warning Victoria to stay inside. It was a good thing he had. A couple of minutes after leaving the TARDIS four armoured and armed men marched up and took both Jamie and the Doctor prisoner. Jamie had never seen anything like them before, but he knew they weren't friendly. Their armour was a mix of dull metal and chain-mail, they also had a mark on their foreheads he didn't recognise.
For a moment the Doctor tried to talk his way out of trouble, but as usual that just dug them deeper. It wasn't long before the four of them marched Jamie and the Doctor into a hollow in the hillside. It wasn't that deep and there was a long winding path that they took down to the bottom.
There were two buildings they were being marched to. One was a stone castle, or something that looked a lot like one. It was short and had walls around a sort of tower. Next to it sat a giant golden pyramid with a metal frame around it. When the Doctor saw them he began biting a knuckle.
Now they were trapped in what Jamie guessed was a dungeon inside the big pyramid. If it was a jail it was one of the better ones he had been in in his time with the Doctor, but it was still a prison.
The Doctor wasn't much help, he just stared into the distance as if he was trying to unravel a knot with his mind. Finally the highlander got bored with walking back and forth. 'What is going on Doctor?' he asked for what felt like the hundredth time.
Finally he looked up. 'Someone, here, is making very dangerous experiments in time travel Jamie.'
'And that's bad?'
'Very bad.' he snapped. 'You shouldn't play with time unless you know what you're doing. That's what made us crash.'
'They did it?' Jamie gasped.
The Doctor stood up. 'I hardly think it was deliberate Jamie. Whatever they did caused a hiccup in time and we hit it like a sandbar.' He began to wring his hands 'Oh dear, oh dear, this isn't good. If those egotistical deluded fools are playing with time travel there's no telling the damage they'll do.'
Jamie was about to ask him what it meant when he heard someone outside shouting. '... And you better let me go right now or so help me...' They were Scottish and angry. Another two armoured men opened the door, a whole wall sliding up and into the roof. Between them was a tall young woman with long red hair. They had her by the arms, but that didn't keep her from kicking and shouting up a storm. 'Let me go!' she cried out as they threw her in.
The wall fell back into place quickly behind her, almost as if the two guards were afraid of her. Jamie couldn't blame them, he'd seen women when they were angry before but this girl was almost spitting fire and brimstone. She was kicking and screaming at the door for a good minute before giving up.
Huffing indignantly she put her back to the wall and sat down, giving the wall a good elbowing that made it ring like a dull bell. She was almost crying, something terrible had happened to her and she was ready to kill someone or something.
The Doctor shared a look with Jamie, whoever this was she wasn't happy and not afraid to let everyone in earshot know it. Jamie honestly believed she could shout down an English regiment given half the chance. 'Hello.' the Doctor said, rummaging in his pockets and pulling out a brown paper bag. 'Jelly baby?'
She looked at him, blinking. 'They're just jelly babies.' The Doctor assured her taking one out and giving it to Jamie. 'It looks like we're all in a bit of a fix. If we work together we might find a way out of this. Are you sure you don't want one?'
Still giving him a wary look the girl took one, Jamie noticing that she had coloured her fingernails bright red. Savagely she bit the candy's head off 'Amy Pond' she said, and swallowed the rest.
'My name, Amy Pond. Who are you and what's going on?'
End Teaser


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Laminate Flooring Installers in Phoenix, AZ
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How Much Does it Cost to Install Wood or Stone Laminate Flooring in Phoenix?
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Things to Consider Before You Install Wood or Stone Laminate Flooring in Phoenix, Arizona:
- Have you already purchased the flooring materials for this project?
- What style of laminate flooring would you like?
- In which rooms would you like to install new flooring? (Check all that apply)
Living room
Dining room
Stair Landing
Family room
Ideas & Inspiration from Phoenix Flooring & Carpet Contractors
Phoenix Laminate Flooring
From kitchen and bath remodels to rejuvenating other areas of your home, you may be thinking about your next home improvement project, and begin to think about new flooring. Whether your hardwood has seen better days, your carpet has reached the point steam cleaning no longer does the trick, or an old linoleum floor has simply become an eyesore you can no longer live with, many homeowners find laminate flooring is the ticket to new, beautiful, and affordable residential flooring. Laminate flooring in Phoenix is great for homeowners with high-paced lifestyles that demand minimizing home maintenance, and for homeowners who want the beauty of hardwood flooring without the high-end costs.
Laminate flooring competes with carpet and hardwood flooring as the most popular flooring installation in the Phoenix area. Though carpet is a soft flooring material, both it and laminate flooring are popular in bedrooms, living rooms, and even bathrooms. Hardwood flooring, alternately, tends to compete with laminate in bedrooms, kitchens, and dining rooms. In fact, there's hardly a room or area of your home where laminate does not serve as a viable flooring installation.
Carpet is, by far, the cheapest of the three in terms of initial installation, but it also requires significantly more maintenance, and doesn't last nearly as long as well-maintained laminate or hardwood. Laminate flooring is, in general, the easiest floor in terms of maintenance and is cheaper, in most cases, than hardwood. That said, more homeowners (and potential homebuyers) tend to covet hardwood flooring more than laminate.
To show that each of these three types of flooring have their own advantages and disadvantages, it's also revealing to note that all three floors have virtually the same number of service requests in Phoenix. Laminate flooring, as a relatively new option, will probably only grow as a flooring option in the years ahead.
Cost of Laminate Flooring
So, exactly how much does it cost to install laminate flooring? The average cost to install laminate flooring in Phoenix is about $4,000. Naturally, the size of the installation and the quality of the laminate you choose will influence the estimates you get from contractors. Recently, we've seen Phoenix projects cost as little as $1,500 and as much as $8,000, although if you're installing laminate flooring in multiple rooms, it's not unheard of to see costs range more than $10,000. To put this in perspective, the average cost of installation for hardwood and carpet is $5,000 and $1,700, respectively. No matter what your situation, you shouldn't give up on installing a new laminate floor until you've talked with contractors. The professionals may have cost-cutting ideas for homeowners working on a tight budget.
DIY Installation
One way to dramatically reduce the cost of your new laminate flooring is to install it yourself. Unlike other flooring, this can be a legitimate option for reasonably handy homeowners, but we typically advise against it if you're not sure what you're doing. Improper installation can void manufacturer warranties, and even laminate flooring panels that seem simple to install can take a weekend full of headaches to complete.
Flooring Contractors
Even if you're considering installing your own laminate flooring, it's a good idea to talk to a professional first. They may be able to provide you with pointers and explain common pitfalls homeowners fall into when undertaking their own flooring installation. Plus, Phoenix laminate flooring contractors will be able to give you quality advice about different laminate flooring manufacturers, such as which ones are worth paying a higher price for, and which manufacturers you should stay away from no matter what deal they may be offering. HomeAdvisor puts each and every one of our contractors through a rigorous 10-step screening process, and provides homeowners with a quality controlled customer ratings and reviews section. This will help to find only reliable contractors in your area, and contractors who are certified in laminate flooring installation.
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text: The SUPERNOVA series was designed to astound audiophiles. The system delivers premium sound that will accentuate any music genre & elevate their experience. Its brilliant accuracy disperses crisp, rich surround sound that brings both movies and music to life. Its superior design adds modern elegance that will compliment any room in the house.


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Dohrman Tract
Dohrman Tract or Dohrman's Grant was a land tract in eastern Ohio granted by Congress to Arnold Henry Dohrman (1749–1813), who helped the American cause in the Revolutionary War.
At the beginning of the war, Dohrman, of the Netherlands, was a wealthy merchant in Lisbon, Portugal. He supplied the United States with clothing and war material, and fed and looked after American seamen who the British had captured and released to his custody. In June, 1780, the Committee on Foreign Affairs in Congress reported to that body on his humane acts. A resolution was passed appointing him agent for the United States in the Kingdom of Portugal, an unpaid position. They authorized him to extend relief to US citizens, and to bill them for his expenditures. They assured they would refund him at their earliest opportunity.[1]
Dohrman presented a bill on July 19, 1786 for $26,084.24. He only had vouchers proving $5,806.80 in expenses. Congress paid the smaller amount on October 1, 1787. The $20,277.44 shortfall was not paid, but Congress paid him a salary of $1600 per year from the time he started his assistance, and allowed him to make a choice of any township of land out of the fifth through seventh ranges of the first seven ranges surveyed in Ohio.[1]
Dohrman had not seen Ohio, and acted on the advice of others when he chose the thirteenth township of the seventh range, now half in Harrison County and half in Tuscarawas County. President John Adams issued a patent for the land to Dohrman, or his legal representatives, on February 27, 1801.[2]
Dohrman lived in New York City for many years, engaging in business. Various misfortunes lead to him having to mortgage his land to his creditors, preventing him from subdividing and selling at a profit. After his business failure, he moved to Steubenville, Ohio to be nearer his land. He died there in 1813. In 1817, Congress granted his widow, Rachel Dohrman, an annuity of $400 per year and $100 per year for each of his children until age 21.
The Grant in Modern Times[edit]
The grant consists of the a three-mile (5 km) wide by 1 ½ mile high parcel in the southwest corner of Monroe Township, Harrison County, Ohio, a three-mile (5 km) wide by 4 ½ mile high western half of Franklin Township, Harrison County, Ohio, a three-mile (5 km) wide by four mile high strip on the east side of Mill Township, Tuscarawas County, Ohio, and a three-mile (5 km) wide by two mile high strip on the east side of Rush Township, Tuscarawas County, Ohio for a total of approximately 36 square miles (93 km2). The corners of the grant are at 40°23′24″N 81°19′49″W / 40.39000°N 81.33028°W, 40°18′16″N 81°20′05″W / 40.30444°N 81.33472°W,40°23′17″N 81°12′51″W / 40.38806°N 81.21417°W, 40°18′07″N 81°13′05″W / 40.30194°N 81.21806°W. The community of Stillwater and the dam and part of the reservoir of Tappan Lake are in the tract and Ohio State Route 800 and United States Highway 250 pass through.
See also[edit]
- Peters, William E. (1918). Ohio Lands and Their Subdivision. W.E. Peters.
- Knepper, George W. (2002). The Official Ohio Lands Book (PDF). The Auditor of the State of Ohio.
External links[edit]
- Ohio History Central- Dohrman's Grant
- Arnold Henry Dohrman. Papers, 1749-1813, housed in the University of Illinois Library at Urbana-Champaign's Illinois History and Lincoln Collections


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Joe's Diner in Phoenix
Joe's Diner, serving breakfast & lunch. We pride ourselves by using local business to ensure our products include the freshest ingredients daily.Our Breakfast menu includes some of your usualgood-old standbys with a few of Joe's favorites! Try Joe's homemade Chorizo gravy & biscuits, cinnamon rolls, for starters. Joe's buttermilk pancakes were voted 'Best in Phoenix' by the NewTimes. Make sure to check out some of Joe's omelets and specials and try some of his homemade jams. We pride ourselves on our Arbuckles' Ariosa coffee, 'The Coffee That Won The West', roasted dailyin Tucson Arizona. Breakfast is served all day.If you are looking for a good burger for Lunch, Joe's Diner is serving up an Angus chuck burger on a brioche bun with homemade sweet potato chips. Joeprides himself on the Muffeleta; the tapenade dressing is an old family secret recipe and it has fast become a local lunch time favorite. Joe has also thought about his veggie loving friends bycreating a grilled and chilled veggie sandwich served on a fresh baked crusty sub roll from a local baker, Jon Anthony's Italian Bakery.
Joe's Diner
4515 North 7th Avenue, Phoenix, AZ 85013, USA


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|2004-03-20, 00:49
|Link #3
Junior Member
I think it not only generates drama, but also that the producers like to divide the fans into warring factions on which couples would be the best... That way fans can all go to forums like this one to voice their thoughts on what they think should happen
|2004-03-20, 01:17
|Link #4
Join Date: Mar 2004
|2004-03-20, 13:34
|Link #7
Bishoujo Goodness Galore!
Join Date: Nov 2003
Location: Stuck Between Reality and Fantasy
"What started as a love triangle is now a septagon by my count.."--Ruri Hoshino, Nadesico
i think Ranma has one of the most infamous love "webs"
producers seem to be leaning towards "How many different couple variations can we put in!?"
this, of course, leads to a sprig of fanfics and doujin with "what if..."s ranging from the runner-up to the just plain bizarre (you DON'T want to know...at my school we call em "yaoi pairings")
|2004-03-20, 14:31
|Link #8
annoying white bat
Join Date: Jan 2004
Shows like Love Hina and Onegai Twins are about love triangles/polygons. All other things being equal, I can't see why you would complain about those two series. Action stories can be told without any romantic subplots at all, of course.
Most shows through subtle and broad hinting let you know who will end up with who, so it's not like there is much suspense involved.
One purpose of love subplots in many series is to develop character. Love between two people is the most intimate situation. A character expressing any form of love can be more fully revealed. Even the "loser" in a love triangle can be a well-crafted character.
|2004-03-20, 15:10
|Link #9
Senior Member
Join Date: Nov 2003
Location: Antwerp area, Belgium, Europa
Age: 41
The reason why people create love triangle's (or even worse) is that it immediately creates a very dramatic situtation in which every viewer always is forced to choose a favorite character he or she prefers. It's a perfect way to draw people into a story since it's a very recognisable situation. I'm sure anyone has been in such a situation and can understand how "heavy" this can get...
These kinda things almost force you to think about what you are watching instead of mindlessly absorbig the events unfolding.
In my opinion the best romance shows place this classic love triangle into a background situation which is rather tense in itself thus creating a very thrilling series, not much may happen in it but you can't help but imagine several things that could happen thus truly drawing you into the show.
For example I watched da Capo in 2 days because I had to continue watching, I wanted, needed to know what would happen next...
|2004-03-20, 18:43
|Link #10
Join Date: Dec 2003
Age: 34
Well, any good drama has to have conflict. As others have said, it's what keeps the viewers interested and hooked. In a show with a romantic theme, the easiest form of conflict to identify with is between people, hence the concept of the love triangle (or polygon, as the case may be). Love can generate perhaps some of the most intense emotions, so it is a natural source of drama; that's why it can be seen in so many shows.
My vote for most intense love triangle has got to be Haruka-Takayuki-Mitsuki from KGNE (the fan wars for that show are legendary). My favorite love triangle, though, is Karen-Maiku-Miina from Onegai Twins; it's not nearly as intense, but it's much cuter and more fun.
The "harem" type shows have a variation of the love triangle: what other people in this thread have dubbed the love polygon. Often times, as babbito2k said, there's one main romance (you basically know how it's going to end up), but there's a whole lot of other relationships that basically run interference for the whole show. This can play out in a bunch of different ways, but is almost always played up for comedic purposes. Sometimes, though, I find it can be a little annoying when they add characters to a story for seemingly no other reason *other* than to run interference (Love Hina Again is a prime example of that, but Ai Yori Aoshi is also guilty to a certain extent).
7thMethuselah mentioned Da Capo; I liked the approach they took in that show, as it was a bit different. They spent the first half of the show introducing all the characters and the possible romances, and then in the second half they picked one romance and dealt with all the consequences. I guess that partly reflects the ero-game roots of the show; I thought it was very well done.
Anyway, I like shows with love triangles and polygons - it keeps you hooked, and increases your emotional involvement in the show as you cheer for one person or another. That being said, though, it has been done a lot in anime, so it definitely can have a tendency to become cliché.
|2004-03-22, 00:57
|Link #15
Bishoujo Goodness Galore!
Join Date: Nov 2003
Location: Stuck Between Reality and Fantasy
yeah, KGNE had a REALLY intense love triangle (or square actually)
|2004-03-22, 02:30
|Link #16
Gomen asobase desuwa!
Join Date: Nov 2003
Age: 36
quote from a Japanese live-action director
|2004-03-22, 02:37
|Link #17
Aria Company
Join Date: Nov 2003
|2004-03-22, 02:48
|Link #18
Gomen asobase desuwa!
Join Date: Nov 2003
Age: 36
|2004-03-22, 05:44
|Link #19
Join Date: May 2003
Location: Cardboard Box
Age: 31
hmmmm, good point, even those damn hollywood love dramas piss me off... why doesn't everybody shut up about thier opinions and just randomly destroy things for my entertainment? the random destruction is why i started watching anime in the first place. ^_^
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text:
Isabelle: FoolsMature
I turned from my place and walked down the hall, aimlessly wandering down the stairs, out the front door, and into the gardens. My thoughts only remained on Jaque's words, his chilly nature towards me, his cruel rejection of my advancement.
Throwing myself onto a bench, I could only think of how stupid I was. Why had I been so infatuated by Jacque's cool manner, mystified by his rigid indifference? My behavior was embarrassing. I couldn't believe how I did it. How ridiculously stupid I was.
A stray tear drippled down my cheek, and I wasn't anxious about brushing it away. No one would come out to look for me. I was forgettable, no one cared.
Why was I here? I just wanted to go home.
{ ~}
The last light was slipping below the horizon, and still I remained in my place. An hour had likely passed, but it felt like an eternity in my place of lonely seclusion. I was supremely surprised when I heard the crunch of footsteps on the pathway--my heart fluttered with hope that perhaps it may be Jacque.
"Charles?" I stuttered, standing to look Rose's former lover full in the face. I should have never believed it to be Jacque, I thought scornfully. Even if it was, I would not allow him to speak to me, the ungrateful---
"Isabelle? Miss. Isabelle Haynes?" he answered. He appeared similarly to how I felt. "What are you doing out here?"
"I could ask you the same," I retorted curtly.
He seemed to have no reply, briefly averting his eyes so he looked to the ground. Charles finally inquired, "Have you heard the news of Miss. Wells' engagement?"
"Hmm. To Mr. Ashbrook. The news of it spreads like wildfire. They speak to Mr. Wells currently. He does not appear too happy," he continued blandly, as if the words were sour on his tongue.
"I would have imagined so," I approached Charles, a pang of sympthany for the man. "But Rose shall be happy, so I hope he can resolve to be happy with that."
A silence dropped between us, and I was unsure of what to do or say next. I was surprised when Charles opened up to me in the slightest of ways, speaking in a tone ever so quiet, "I just wish I could have made her happy."
Still, I was uncertain, hesitantly placing a comforting hand on his shoulder. It was a while before he spoke again, appearing more gathered, "What of you? Why is a pretty young woman such as yourself seated alone?"
I retracted slightly, taken aback by his question and unable to muster an answer.
"Is it that Mr. Landry?"
I looked to Charles' eyes, knowing, understanding. "Well...," I stuttered. My voice started to break slightly."Yes. I-I made myself believe...I was so stupid. I was so ridiculous. I-I was so stupid, so stupid." I shook my head, hiding my face in my palms in case a few more tears may come free.
This time, Charles placed a comforting hand upon my back, taking his other to direct me back to the bench to seat myself, setting himself beside me. "Love makes fools of the best people," he murmured, reassuring me as he pushed a few stray hairs behind my ear. The intimate touch made me remove my head from my hands to meet his eyes.
"How is that supposed to make me feel better?" I said half-laughingly, attempting to rub the tears from my eyes.
"It happens to all of us," he said, alarming me a bit with his closeness. He sensed how I had stiffened slightly, and removed his hand from my back. "I am sorry," he said briskly. "Should I go?"
I swallowed, still gazing into his eyes, filled with the deep emotion of compassion. "No, it is alright," I smiled slightly. "Thank you, Charles." I inched closer to him and placed my head gently on his shoulder. He then offered a half embrace, encircling me with one of his arms. He made me feel as if I was not so alone in my feelings, and in this world, and I was thankful to him for it.


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Going on holiday can be the perfect antidote if you're stressed with work worries, and if it's your bank account that's feeling the pressure, you can adopt the same principle and take time out with a "mortgage holiday". But while this sounds convenient, could suspending your mortgage payments temporarily just cause you bigger financial headaches in the future?
More and more mortgage products claim to offer borrowers greater flexibility through the facility for taking payment breaks – in some cases, after you've been a customer for just three months.
Sean Gardner from the financial-comparison site MoneyExpert.com says that 50 per cent of mortgage products offered this option last year – "now it's 58 per cent". But he warns that payment holidays do carry some baggage in that "you're in effect extending your mortgage", as any missed payments are added on to the original loan.
Lenders providing the chance to suspend payments include the Halifax, Lloyds TSB, Intelligent Finance and Nationwide, and this flexibility is proving popular with borrowers, particularly given the credit crunch and the rising cost of living.
Intelligent Finance says the number of applications it has received for payment holidays has more than doubled in the past six months, explaining that one of the main factors is customers looking to pay back credit card debt. Nationwide also reports a rise in applications, particularly over the past eight weeks.
In the current climate, says Mr Gardner, a mortgage holiday can prove the only practical way for some borrowers to get their hands on extra cash, "as anyone with an adverse credit history may experience problems" arranging loans or credit cards.
How much time off you can have varies according to the individual lender. Intelligent Finance allows borrowers to take mortgage breaks only after a year, and then for a month on two separate occasions every calendar year. At the Halifax, you need to have been a customer for three months, at which point you can have six months off.
Nationwide, meanwhile, offers up to a year's holiday. To qualify, says a spokeswoman, you'll need a year's borrowing behind you and your "mortgage must be less than 80 per cent of the value of your home at the end of the payment holiday".
Other lenders, such as HSBC, don't actively promote the mortgage-break option. Spokesman Tim Pie says it will be allowed only if customers have "already overpaid their mortgage by that amount and won't end up in arrears".
GE Money is another lender that doesn't routinely offer holidays. "People don't realise this can prove more expensive in the long run," says spokesman Tom Wilson. "TV adverts talk about taking a mortgage break to go travelling, but people forget they've got to pay this money back plus interest."
It's for this reason that payment breaks should "carry a health warning", according to Cristina Rebollo from financial-comparison site uSwitch.com. She says taking 12 months off from repayments on the average £150,000 loan can be costly, as once interest is added, "you've effectively doubled the cost of those unpaid months if you leave the extra money on your loan long term".
Ms Rebollo adds that there should be measures in place where lenders must routinely provide detailed illustrations showing customers how much a few months off could cost them in the end.
But the Financial Services Authority, the City watchdog, has a different view. "We don't dictate criteria to lenders for allowing mortgage breaks," explains FSA spokesman Adam Richards-Gray.
Another key consideration is when to take a mortgage break. Logically, it will be at a time of change in your lifestyle or career, such as going freelance or starting a family. However, as Ms Rebollo warns: "If you're on a two-year fixed-rate deal and take a one-year break, this eats into a year of your fix." That would mean you've sacrificed a year of a cheap deal, possibly ending up on a much higher rate when it's time to repay the extra money.
Naturally, you must have your lender's permission before you stop making payments, as any unauthorised non-payment goes on record as arrears and can affect your credit rating.
Do so with authorisation, though, and "it won't affect your rating", says James Jones from the Experian credit-reference agency. "When updating records, lenders use special codes for customers taking mortgage breaks," he adds. This shows up on your credit record as if the mortgage were up to date.
Mr Jones says that if customers are really concerned, they should get a copy of their credit report a couple of months into their mortgage holiday to check the details are correct.
'A few thousand more on our mortgage is a small price to pay'
Gemma Bailey, 30, and her husband, Russell Bailey, 29, from Swindon are taking a year's mortgage break from June, which they've planned to coincide with the birth of their first baby.
Gemma will be starting a year's maternity leave from her administration job and says they've made the decision because "we'll be losing my income and for most of that time I'll be on statutory maternity pay, which works out at just over £100 a week".
The couple have a £120,000 loan with Nationwide on their three-bed property and currently pay £700 a month. "The way I see it is that this is going to be an expensive time – buying things for the baby," says Gemma. "So adding a few thousand to our mortgage is a small price to pay for peace of mind for a year and no financial worries."
Although Gemma admits she's not sure how much the mortgage holiday will cost, she and her husband intend to work hard at overpaying on the loan once she returns to full-time employment. "With our current deal, we can overpay by up to £500 a month without incurring penalty fees, so we'll be contributing as much as we can as soon as we can. But I can see us doing this again in the future if we have more children."
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text:
Sunday, February 15, 2015
Our Homes, A Sanctuary
6 comments:
What a beautiful definition of HOME! I am so sorry for the loss of your daughters friend, so sad, too young!ReplyDelete
I am so sorry about your daughter's friend.ReplyDelete
I thank you for linking me!!
THAT is one of MY ALL TIME FAVORITE BOOKS TOO!!!!!!!!!ReplyDelete
SO, sorry ..................for your loss.She was way too young!Did they ever find out the cause?
Oh Marsha - my little home is definitely going to be my sanctuary these next few days - with the Arctic blast bringing snow, sleet and ice our way as I write. This afternoon's rush hour will probably be more of a crawl, nobody here in the south knows what to do when it snows!!!!ReplyDelete
Meanwhile the daily deal of life goes on, often almost too sad to comprehend such as a death much too soon. My condolences to this family, and all the friends, who will miss this lady. We've had two dear ladies die on our street this winter leaving widowers, all of course older, but still sad to the neighborhood changing so rapidly.
BTW, I made your gluten-free pear tart and loved it - thanks for sharing the recipe and the Bakers Royale blog, amazing things to bake and the photography is awesome!
Take care my dear - Mary x
What a beautiful room, I love the simple linens on the bed. I also love Dominique's books, its high time for another!ReplyDelete
Lovely post as I try to give my old home soem much needed TLC I couldnt agree more with your post!ReplyDelete
Thank you so much for your wonderful comments, each of them mean so much to me. After all, the interaction is the reason we blog. xx's


text: hiya peeps.. I belong to the virtual world of Second Life, and my site is planned to have links that my community members can submit and share with one another, making their second lives more productive, informative, and fun. Hence is the reason for the website name. I am actually going to tinker with a final version, but this one will work until I complete the final one. As you can see, the top and bottom edges seem to be smashed for some reason. Also, with this circle.... when the words wrap around it, they seem to tear apart. Poor design I think. Great program with flaws.


text:
Definition of retell
retoldplay \-ˈtōld\;
transitive verb
1 : to tell again or in another form
2 : to count again
Examples of retell in a sentence
The movie retells the story of Romeo and Juliet.
First Known Use of retell
RETELL Defined for English Language Learners
Definition of retell for English Language Learners
: to tell (a story) again especially in a different way
Learn More about retell
Seen and Heard
What made you want to look up retell? Please tell us where you read or heard it (including the quote, if possible).


text: basically everything is bugged from the 4game "launcher" to the website but i'll list what i've detected so far: - visual ++ bug - some people might need to redownload and reinstall the 4game launcher since it won't update even if you just downloaded the lastest version. - if you right click on the launcher and "4game" it will send you here https://ru.4game.com/subscription/index.html instead to the english/eu webpage. - https://eu.4game.com/lineage2#lineage2/play/ doesn't work properly i click on "play" and it asks for password, if you hit enter it will ask you to change your email, you need to click the arrow manually. - if you pass that and "agree on terms" nothing happens, game won't start, neither the 4game launcher will do anything. - the time my game started (god knows why) i got a critical error with the "no video" issue, even when i can perfectly run god client at ncwest. - other time i managed to cross the "play" button i got some error in russian from the client. - personal data won't update at your 4game account settings (such as genre, place of residence and so on) - sometimes the "play" button is behind the menu at the webpage. - damage on screen is not showing (according to other player reports). https://forum.4game.com/showthread.php?t=251 - some texts from 4game and so on are still in russian or linking you to russian site. i really hope we'll have a real launcher (like 4game ru and ncwest have) by today or tomorrow since this is completly bugged. os: window xp 32 bits info: i can play both 4game ru and ncwest but not here. browser: mozilla firefox


text:
Wokabulary is the new, fun and effective way to learn and rehearse words. Just like the flash-card systems you had in school, it organises your words in different memory levels. This makes it easy to see which words you already know well and what you need to rehearse again.
Wokabulary is free to use in a base version, that allows you to manage one language. You can use the full learning- and quiz mode and also import wordlists from the internet. The full version enables multiple languages and adds cool features like syncing, statistics as well as import/export function.
- Integrated
What's New
Bug Fixes
- Sorting and searching were wrongly case-sensitive
- Adding multiple words would not immediately update the word list
- OS X 10.11 or later


text:
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