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New liberal Age
Posted in the Minneapolis Forum
#1 Nov 8, 2012
This thread will be for posting about the evils of the left
#2 Nov 8, 2012
School Children Taught About Gay Foreplay, Saran Wrap
A school district in Maine is apologizing after middle school students learned about homosexual foreplay during what was supposed to be a Diversity Day presentation.
The principal of Gorham Middle School sent a letter to parents apologizing for the graphic nature of the presentation by PRYSM, Proud Rainbow Youth of Southern Maine.
They went beyond the scope of our intentions and discussed topics that we do not deem appropriate for our middle school, Robert Riley wrote in a letter obtained by The American Journal.We do not intend to expose them to ideas that are not within the scope of our teaching about responsible citizenship as it is embedded in our code of conduct.
The incident occurred two weeks before the state voted to approve gay marriage and involved a classroom of 25 eighth graders.
Howards 13-year-old son was one of those who came home shocked by the presentations graphic nature.
They were talking about sex and if you didnt have a condom saran wrap could be used in place of a dental dam, Howard told Fox News.It was all new to me.
Howard said the PRYSM presenters also cursed and questioned whether the children had been taught about safe homosexual sex.
James Hagen, chairman of the school committee, told The American Journal that teachers felt uncomfortable about the presentation and reported it to the principal.
Teachers were in such shock, he told the newspaper.Everyone just froze.
Principal Riley defended the way the teachers handled the situation noting that the conversation about gay foreplay happened near the end of the presentation.
I think if it had gone longer, they would have intervened, he told Fox News.
He said the school is taking steps to make sure it doesnt happen again.
This particular day didnt have anything to do with sex. It had everything to do with tolerance and kindness and trying to eradicate from our building the idea that its okay to be mean to each other, he said.
Howard said the fact that teachers did not intervene was incredibly disturbing.
It was a gay diversity class that was supposed to teach tolerance, she said When it got further than that somebody in the room should have stopped it.
Bob Emrich, of Protect Marriage Maine, said he wasnt surprised by the content of the so-called diversity class.
Homosexual activists rarely advertise that they are going to indoctrinate children to their point of view, he said in a statement.Its done under the radar, through mandatory diversity, anti-bullying and tolerance lessons.
If there was any doubt that gay marriage would be taught to young children in Maine schools just as it is in Massachusetts and Canada, that doubt should be removed now, he said.If they are willing to teach our kids how homosexuals engage in foreplay, do you really think they wont force gay marriage instruction of young children when it is the law of the land?
Now, parents across the town have been forced to have some unusual conversations with their children.
It did create conversation in our home that technically we wouldnt have had, Howard said.My child knows his identity.
Shes also informed her son that contrary to what PRYSM said, saran wrap should only be used to protect food.
Ive had to let him know that no matter what situation he gets in my suggestion is not saran wrap, she said.My suggestion is to abstain altogether.
Abstinence was not mentioned in the class.
She plans on airing her concerns at tonights school committee meeting.
Weve gotten away from reading, writing and math, she said.Were graduating children that cant read.
But at least in Gorham, they know what to do with saran wrap.
#3 Nov 8, 2012
Did School Promote Communism over Capitalism?
Jeff Travis owns a small business in Des Moines and he is absolutely furious at a classroom flier that his son received from his high school social studies teacher.
The flier, given to students at Roosevelt High School, features a cartoon and slogans that seem to promote communism over capitalism.
Communism stands for equal sharing of the work according to the benefits and the ability, but in capitalism an individual is responsible for his works and if he wants to raise the ladder, the flier stated.While the profit of any enterprise is equally shared by all in Communism, the profit in the capitalist structure belongs to the owner only.
The cartoon represented capitalism by featuring an overweight businessman smoking a cigar while his workers were shackled. On the communism side, the cartoon showed happy workers earning loads of cash.
Im a businessman, Travis told Fox News.I took great offense. I dont smoke big stogies. I dont have a big gut. My employees are not shackled. If this was a fair representation, where is the fence around the workers on the communist side? Where is the guy holding a gun to their heads saying either comply or die? Where are the bodies that Stalin and Mao put in the graves.
Travis said he spoke to the principal of the school and asked for an explanation. Its been nearly a week and so far he hasnt received one.
I couldnt believe how slanted it was, he said.It wasnt given as an example of propaganda. It was given as an example of capitalism and communism. I cant believe they would hand out something like that.
Travis showed the flier to a customer who happens to work at WHO Radio a Fox News Radio affiliate. That customer gave the flier to Simon Conway, who hosts a local talk show.
#4 Nov 8, 2012
The flier seems to promote communism over capitalism, Conway said.Were all horrified. We dont want this stuff taught in our schools.
A spokesperson for the school system confirmed the flier had been distributed in a classroom. However, additional questions were referred to another staff member and so far calls to that individual have not been returned.
However, school officials did post a statement on their website Friday afternoon, accusing WHO of misrepresenting the flier.
It is unfortunate that a talk show host decided to mislead his listeners in order to generate false criticism of our schools and our teachers, the statement read.
School officials also provided a link to what they said were additional documents given to students. However, the link was not activated and a school official told Fox News that the web materials were not yet available.
As for the flier that students in the social studies class received, the school said:
Furthermore, the class, 20th Century History, was studying the Cold War and propaganda, looking at some of the arguments both sides made about why their system was best on a range of topics, including their economies, the statement read.The handout simply highlights the differences between capitalism and communism, and some of the arguments made during the period of the Cold War.
Conway said local residents are outraged.
We ended up doing a full hour on this topic, he said.
Travis said he never wanted to cause the school or the principal grief or frustration. He said he just wanted his questions answered.
Im concerned about the slant I keep seeing in the school and Im tired of it, he said.
Last year, Travis said an Occupy Wall Street protester was invited to speak to 12 and 13-year old children at his sons middle school. When Travis found out, he asked to sit in the classroom.
I was amazed they would allow someone like that to come in and talk to the students, he said.He came in and said how evil the military is and how he used to respect the police and how he doesnt respect the police anymore.
Travis said it no one was there to refute the Occupiers allegations.
I told the principal I thought it was pretty egregious that they would bring someone like that in but the principal didnt think there was anything wrong with it, he said.
#5 Nov 8, 2012
Faux Snooze ?? Drink instead, it's as productive, LOSER !!!
#6 Nov 9, 2012
PETA is pestering Irvine, California, to put up a memorial to some fish killed in a traffic accident. See, they were being taken to market to be beheaded, gutted, skinned and generally eaten and instead were thrown from the truck and wound up dead. Here Flops A Fish
Saint Paul, MN
#7 Nov 9, 2012
Poor fish, Rest In Pieces!
#8 Nov 9, 2012
That's funny.....
But we all know that you are an "Old Fishaphobe" that just HATES the fish because they are different than you!
This is the 21st Century, the Enlightened know that "Fish are people too"!
Go Barry 2016!
#10 Nov 10, 2012
Michelle Obama Worried Liberals Too Stupid, Too Dependent To Vote?
It's a hard life being a liberal. You apparently don't know how to do anything. Worse, not knowing how to do anything prohibits you from voting for your fellow liberals. Don't take my word for it. Just ask Michelle Obama.
In an impassioned plea to her husband's base, Michelle laid out all the reason why liberal loyalists had to get out early to vote: "You wake up on Election Day you might have a cold, babysitter gets sick, its raining, car broke down, I mean I could go on toilet overflowing. There are so many ways to mess up a day when you dont have a lot of time.[1]
Gee, it almost sounds like Michelle Obama is worried that God has it in for her husband. What with all these potential calamities she envisions befalling his minions. Damn that evil God person ... Michelle always knew He was an evil Republican!
Seriously though? An overflowing toilet prevents you from voting on Election Day? Ok, how about this? You shut off the water and stop the toilet from overflowing. Well GOLLY! Gee, never thunk about that ... a-yup!
Then, after turning off the water, get your butt down to the polls, vote, then come home and deal with the toilet. Or are Obama's core supporters unable to figure this out? It's a rhetorical question. The answer is obvious.
Babysitter calls off sick? Uh ... just a thought here, but how about getting neighbors or family to watch the kids? Heck, you could just take them with you. Kids are allowed to go to the polls, in case you didn't know.
You have a cold? A cold? Gee, I'd be more worried about something more serious, like cancer, sidelining me. Because a "cold" is hardly going to stop someone, who wants to vote, from getting to the polls.
It's raining? Hmmm ... how about grabbing an umbrella? No, apparently that's too difficult for the average Obama voter.
Car breaks down? Well, isn't that what your "Obama Phone" is for? Call someone to come pick you up! Or, perish the thought, you could just walk.
Like I said, it sure is tough being an incompetent liberal who doesn't know how to do anything. If I had to rely on these sorts of sorry souls to do something for me, I'd be worried too.
Saint Paul, MN
#11 Nov 10, 2012
What happens to all those voters who have a cold on election day but didn't vote in advance?
Don't we need a process for those who planned to vote on election day but couldn't?
One with average IQ would quickly realize there is something corrupt going down.
#12 Nov 10, 2012
maybe we should go china style and just let the democrat party choose for us, then why vote.. get rid of the process all together
#13 Nov 10, 2012
comrade obama knows best
"Haven't been free since 1776"
Since: Nov 12
#14 Nov 10, 2012
they are people as well, now we need to pay for the funeral
#15 Nov 11, 2012
College euthanizes ox at center of uproar
POULTNEY, Vt.- After weeks of uproar, it turns out neither of Green Mountain College's team of oxen will be eaten.
In a statement Sunday, college officials said that the ox named Lou had been euthanized due to a recurring injury to his hind leg. Officials said Lou's partner, Bill, will stay on at the school farm and "receive care consistent with appropriate livestock practices."
Bill and Lou were retired this summer from the college's working farm. The school planned to slaughter and serve the animals in the college dining hall. But the decision drew fire from animal rights activists who wanted the oxen spared. School officials claimed some groups harassed and threatened local slaughterhouses, making it impossible for them to accept the animals in a timely manner.
Saint Paul, MN
#16 Nov 11, 2012
Let them starve...
#17 Nov 12, 2012
Is this a meeting of complete morons, because you're all here....
Since: Sep 11
#18 Nov 12, 2012
Wouldn't that be, Rest in Pisces?
Since: Sep 11
#19 Nov 12, 2012
The school made the mistake of telling people what their plans were. They should have just whipped up a pot of "beef" stew and made it the special for the day.
#20 Nov 12, 2012
Seems you're always an advocate for dishonesty.... Pretty sad, but at least you're a POS, too.
Since: Sep 11
#21 Nov 12, 2012
Seattle Slew (aka, he/she/it) wrote:
"Be a SHAME to just post irrelevance and insults,"
Amused Slew wrote:
Of course, I'm wrong... and I'm "attacking" you under multiple monikers, too.
Seattle Slew wrote:
"You keep saying that, but as a proven liar and a weird obsessive, I can't put any stock in it."
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From allowing voters to decide on $10-a-month health insurance for elected officials to approving new police contracts that do not include pay increases, the City Council took several steps Tuesday to slash spending so it may not have to raise taxes.
Among a handful of weighty decisions, the council decided to eschew pay raises and not put the matter before voters.
A charter review board had recommended a $500-a-month raise accompany a measure to eliminate taxpayer subsidized health insurance on the November ballot. The charter board did not want council members to take a financial hit if voters approved dropping the $10-a-month health insurance perk, which is heavily subsidized by taxpayers. Currently, council members earn about $10,000 annually but they receive heavily subsidized health insurance. That perk cost taxpayers about $75,000 last year — more than the council earned in salaries.
Mayor John Holic convinced the council to consider the issues separately because he did not want to present a possible salary increase when the council is cutting $3 million out of next year's budget.
When the two issues were "decoupled," the council voted against forwarding the pay raise and in favor of putting the health care issue on the ballot.
Council member Bob Daniels was the sole dissenter.
"I would hate to see a structure that would only encourage people who are retired" to run for office, Daniels said.
The council put off a decision on eliminating free health insurance for life for a handful of retired council members and former top officials.
It approved a new contract with police officers that does not include pay increases.
The council also heard a consultant's report on possible ways to cut costs in the fire department, including reducing the number of responders who work on a shift in the city's three fire stations. Both the fire and police departments had to cut $1 million each out of their respective budgets.
"We don't support the shutting of stations and shutting of engines," said Jerry Collins, the firefighter's union representative. He said staffing is at a minimum and cuts would imperil public safety.
The proposed $20 million general fund budget includes laying off 10 firefighters and police officers and eliminating roughly 13 unfilled jobs.
In addition to the cuts, the council is also considering raising the property tax rate.
Last month the council set a maximum tax rate of 3.77 mills, or $3.77 for every $1,000 in taxable value. The current rate, which has gone unchanged for four years, is 2.77 mills. If adopted, the maximum rate would amount to a 36 percent increase for property owners.
However, when the council set the maximum rate members said they merely wanted some "wiggle room" as they work through the budget process and do not foresee adopting the $3.77 mill rate. Under Florida law the council cannot set a rate higher than that maximum rate they set, but can settle on a lower rate.
Venice takes knife to city budget
From allowing voters to decide on $10-a-month health insurance for elected officials to approving new police contracts that do not include pay increases, the City Council took several steps Tuesday to slash spending so it may not have to raise taxes.

subset: commoncrawl


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Caribbean Noosa
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Dr. Danny Jordaan, the CEO of the Local Organizing Committee for the 2010 FIFA World Cup, held a press briefing at the South African Consulate General in Manhattan Friday afternoon to give an update on South Africa's preparation for next year's competition.
Here are a few tidbits from Jordaan's presentation.
* The United States leads all countries (outside of the host nation) in ticket sales, thus far, with 93,300.
* There have been 1.8 million ticket requests from 205 countries.
* Some 415,000 jobs will be created in South Africa, including 20,000 on stadium construction.
* 65 percent of the tickets (400,000 in total) for next month's Confederations Cup has been sold.
* Soccer City Stadium, the 98,000-seat jewel of the World Cup in Johannesburg which will be the host of the opening and closing ceremonies, is slated to be completed by August. The same is true for Peter Mokaba in Polokwane.
* Nelson Mandela Bay Stadium in Port Elizabeth is complete and will host its first event on June 16.
* Sunil Gulati was also in the house and said not only does the U.S. lead in ticket sales, but also in broadcast rights.
What do you think of the updates? Are you planning on going to the World Cup? Have you already purchased tickets? Is South Africa really ready to host the World Cup? Share your thoughts below.
I wish I could go. It is surprising that the U.S. leads in ticket sales to say the least. I have a good feeling the U.S. will do well this time around. Confederations Cup is going to be the best prep possible for the World Cup. They better take advantage of it.
It's not surprising the US is leading the world in ticket sales. Its just disappointing half of those people are cheering for other national teams over the USA's.
Nice, I'll be there. Got 2 tix to a game in Johannasburg and 2 to a game in Cape Town. Was going to try and follow the US, but it looks like those tix are impossible; all of my friends who tried for it missed out on it. I was able to get 2 of my 3 requests.
I got my internet application for tickets in at 3:15am and still got iced!
tru Jason, but the US Men's teams isnt hurting financially. Nor is the team hurting in supporters when they play in some interior city. Fault not immigrants, but Americans who wont show for games. When I read that US was leading in ticket sales I also thought: "man, and MLS is all they've been able to come up with for a country obviously filled with soccer fanatics? Garber seriously sucks". Believe me Jason, if there was some kick @ss world-worthy club soccer in their American city of residence to cheer for everyone would show.
^^^ what vic said.
i mean, look at seattle. they are sold out every game. LA and Toronto have decent attendance. I've always thought it all had to do with the franchise's name. I'm a New Yorker and supporting the Red Bulls is like swallowing bitter remedy to make me feel better about something that's not really there-passion.
so do all you people expect it to magically happen overnight the league almost disappeared then where would we be? Fault not the expats or americans who dont show up fault AMERICAN eurosnobs and latin snobs for not showing up. If the lack of passion is the excuse where do you expect passion and money to come from. MLS fans alone arent enough.
Why is the World Cup in one of the most dangerous countries in the world? There is no way I would go to Africa for soccer. Brazil is even worse. South Africa and Brazil have the highest murder rates in the world. FIFA got it wrong twice in a row.
Adam M.
busdriver, unless Brazil's World Cup games are being played in the favelas (and then, in only a handful of them), and they are not, then you have little to worry about. Not that you will have to worry anyway given the immense security that occurs at any international sporting event these days. And Rio hosted 42 countries in the Pan American Games in 2007 without incident. Bottom line: if you are afraid, don't go. The games will all sell out anyway.
Metro boy till da day I die
don't lose fail JL u will be surprised when red bull arena opens up.. A LOT of people from new York don't come to games to giants stadium cuz one transportation n cuz food drinks are wayy over priced. But in Harrison a lot of people will start showing up, I think a lot of locals to because Harrison loves soccer… It's gonna b great!!! N btw I wish I could have made it to a u.s game. :/….. Well as a ritual to all red bull games.. Vamosss vamoss metroooo! Esta noche tenemos que ganar.! Might be my last home game for a whileee . So please metro win!
Metro boy till da day I die
want to say faith not fail …..' my bAdd
busdriver –
i spent a few years living in johannesburg south africa. i didn't live in the wealthy white suburbs but in the inner city. i never once had a problem.
south africans are among the most welcoming and gracious people i have ever been around.
Adam M is right. Unless you decide to stay in a shanty town, join a gang, or transport drugs, you'll probably leave without incident.
busdriver, don't be ignorant. My neighbor (who is also a white guy) just got home from South Africa last week, and he spent two weeks there on vacation and he told me that he never felt like his life was in danger, in fact he loved it. Also Brazil's crime rate has dropped in recent years, and like one poster stated, unless the games are being played in the favelas, there's really not much for fans to worry about.
Got tickets to all three opening round US games. Great to have friends in the Peace Corps there now and I joined their "resident" application. Now if only I can find a way to pay for the trip.
Busdriver.. I am worried about this one too. Not that South Africa is that bad of a place. It is beautiful there. I'm more worried about outside influence. That being said I would be more cautious if this one were in the states.
I gotta say………i have AMerican soccer friends who ahve been denied World Cup tickets who have waited 4 years to go and root for the US,….now…. if half of those tickets of 95,000 sold in the US pot is by people who root for other countries…is that fair?? is their anyway we can limit it next time, so all AMerican soccer fans get first dibs?
Am I the only one really hoping that the U.S. is in that opening game against South Africa?
I am so there – I have 3 Capetown tickets for the group stage and going for 2 more!!! Germany 02 was great and 94 US was fab. I am addicted.
I went to South Africa a few years ago and there are areas that are safe but there are a lot of areas that are not. If you do go I would recommend you take peoples advise and avoid certain areas. This of course would be true with most places the World Cup would be in but there some areas in SA that desperation has let to deplorable criminal activity.
While I was there a mall in Durban was robbed by a gang with machine guns. The hotel we stayed in was surrounded by a security fence and had a 24 hour manned security gate and while we were checking in some other guests were filing a police complaint that their luggage had been stolen while they were checking out. While we there the news report an incident of taxi drivers getting in a shoot out to secure taxi business. The transportation business is dominated my taxi vans and the turf is worth fighting for. Locals with any kind of money hire private security firms that advertise they shoot on site.
I went to other areas of the country where we drove for hours through remote and densely populated areas that were safe. Going to Robben Island and seeing where the political prisoners used to play soccer was neat to see. Some of those same men are involved in bringing the World Cup.
If you go learn as much as you can about the history of the country do enjoy the culture and the amazing ecosystem but do be weary and cautious.
tru Jason, but the US Men's teams isnt hurting financially. Nor is the team hurting in supporters when they play in some interior city. Fault not immigrants, but Americans who wont show for games. When I read that US was leading in ticket sales I also thought: "man, and MLS is all they've been able to come up with for a country obviously filled with soccer fanatics? Garber seriously sucks". Believe me Jason, if there was some kick @ss world-worthy club soccer in their American city of residence to cheer for everyone would show.
Posted by: vic | May 30, 2009 at 02:39 AM
No way, man, you can NOT just lump the National Team and MLS like that. It's one thing if you think MLS isn't good enough for you, but if you turn up your nose at the National Team because they're "not good enough," holy crap you really, really suck as a fan, and possibly as an American. The USNT doesn't, in fact, draw all that well for every game it plays considering the NT coming to your town is pretty rare, and I'd like to hope that's because there just aren't that many soccer fans rather that they're all bandwagoning slime.
Repped in Germany '06 (Fritz Walter Stadion for Italy v. USA was nuts), and will be in South Africa for '10.
Barring an act of god (or Heath Pearce), I've got my seats on the sidelines for all three US games in SA in '10. Thank you, Fifa.com!
Vic you're a sad excuse for a footie fan. I'd rather watch a fast paced, top half MLS tie than rooney jogging behind a potential 85th minute cross that instead rolls past the end line. Support your local MLS club.
I don't understand why you can't support all three–MLS, the national team and your favorite European team? The seasons barely overlap. The games are on at different times. There are international breaks for national team games. But, if you aren't even interested in the development of the sport in the U.S., then you aren't really a fan at all, merely a poser looking to borrow the glamour associated with the name from some foreign club.
Agreed you can support all. If you CAN'T support MLS as well as your Euro club you're not really a fan of the sport. Just a fan of frontrunning. "OOH there's no atmosphere in MLS?" Oh yeah, how's the atmosphere in your living room when you're wathcing the Prem on your 'telly'? Douchbags!
Those poo pooing the safety concern for SA are wearing rose colored glasses. There is crime everywhere in the world. But there is CERTAINLY a higher risk for it in SA. I had a friend lose her life there so I'm sensitive to it but don't id yourself its more dangerous than a whole lot of place on this planet.
Hell Yeah JB!
I support the US and Colombian national teams, the Red Bulls, FC Barcelona(even before Ronaldhino was there) and Atletico Junior from Barranquilla. We need to support our local teams and watch them grow. Maybe we'd be telling our grandkids how the game grew in the states and all that. mmm, such a sweet thought.
silent e
I'm from Houston and had a conversation the other day with a guy who I often see there wearing a Man U shirt. It turned out he was from NYC and I teased him by saying "at least you have a better team to support by moving here." [Note to RB fans, I don't want to spark an argument about this–just friendly ribbing to engage what I thought was a fellow soccer fan.] His response was to screw up his face and say he just couldn't watch MLS, that it wasn't even the same game. I asked why he said that, and his first response was, "Well, the passion. It's just not there." "Really?" I asked. "Have you ever been?" He admitted not, and I was forced to find a polite way of saying he was speaking from complete ignorance. I suggested he make it out to a late season or playoff game when the Dynamo often sell out the stadium and then decide if there is no atmosphere. I like Steve's quote about atmosphere, wish I'd thought to say it to him.
The point: I agree whole heartedly with those who say that if you can't support MLS then you're not real fans of the sport. I suspect if you went to England and asked Millwall fans they'd tell you how all those ManU fans were complete poser wankers. If you really want to help MLS and American soccer, engage these people, talk to them, disagree politely with them, and challenge or better yet invite them to attend a game. I've introduced my parents (who are now such fans they're season ticket holders), and several others to attending the games, and all but one have decided to attend more.
Go out there and proselytize American soccer fans. If every MLS team could draw 20,000 fans imagine how much more money the league could spend on players.
Justin O
harry – What are you talking about? There is no "US pot" for tickets. No one is being denied tickets at the expense of people from the US who support other teams. There's one "pot". It's an international pot, and all residents of planet Earth are competing for tickets equally.
vic – How do your comments get to "Garber seriously sucks"? What exactly is Garber's fault? Do you even understand what his job is and what kinds of decisions he does or doesn't make?
Stop with the "400,000 jobs" created. Just like Beijing in 2008, those will all disappear a week after the closing game.
Xander Crews
There's nothing wrong with not supporting MLS while supporting the national team. I will watch every USMNT game in person that is possible, and all the others on TV, but you won't find me watching an MLS game either in person or on TV. It's not the atmosphere that's lacking – it's the quality on the field. And that's quite something considering one of my close friends is on an MLS coaching staff, and even he says the quality isn't where it needs to be. But before you go off thinking I'm some kind of Eurosnob, consider this: I'll watch any college match, any day of the week. There's a greater sense of passion and pride, knowing that every game is of utmost importance.


text:
We've been waiting with baited breath for this day to come. With Catching Fire due to hit theaters on November 22nd, 2013, it's crunch time for casting some of the key roles. Namely Finnick. This District Four victor needs to be gorgeous, over confident, full of charisma and ready to go toe to toe with our Katniss. He also needs to have a heart--making him extra sexy and irresistible. So who nabbed the role?
As we suspected and hoped was true, the odds were ever in the favor of . . .
Source: teenvogue.com via Lauren on Pinterest
Can't wait to see him wield a trident! Now, you may recognize this rising star from movies like Pirates of the Caribbean: On Stranger Tides and most recently Snow White and the Huntsman. I actually met Sam while visiting the SWATH set and he even spoke humbly about not ever expecting to reach the same level of fame as his co-star Kristen Stewart.
Makes me all the happier for him that he exceeded his own expectations because there's nothing bigger than the Hunger Games' movies--especially with the Twilight Saga saying goodbye this fall! I'm ready to join Team Sam--are you?
Do You Think Sam Claflin Is the Right Choice to Play Finnick?
Now, who to play Finnick's love Annie Cresta? My first thought is Alexis Bledel but what do you think?
__More movie news!
Should Emma Watson Play Anastasia Steele in the Fifty Shades of Grey Movie? Vote Now on Emma and the 10 Other Actresses We Could See in the Role Too!
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text:
Smoking at Helsinki-Vantaa Airport (HEL)
Smoking Rating
Before and After Security Smoking
Smoking is only permitted in designated areas outside the terminals.
There are several smoking areas in the airport located near to all the gates, 3 in each terminal.
The Finnair and Gateway lounges also have smoking areas
There are two smoking areas near baggage reclaim.
There are reports of other areas, but non yet confirmed
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Tina Fey to Taylor Swift: "It Was Just a Joke"
After Taylor Swift revealed her displeasure at being the butt of jokes at the Golden Globes, Tina Fey followed Amy Poehler in responding to the offense.
During the ceremony, the co-hosts jokingly warned the 23-year-old songstress to stay away from Michael J. Fox's son.
In the April issue of Vanity Fair, the country crooner stated about the joke, "Katie Couric is one of my favorite people because she said to me she had heard a quote that she loved that said, 'There's a special place in hell for women who don't help other women.'"
On Tuesday, Us Weekly caught up with Tin at the premiere of her new film, "Admission", where she responded to the ire, saying, "It was just a joke, and I think it was actually a very benign joke."
Photo Credit: Getty Images


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Arkansas backup TE Uekman dies
FAYETTEVILLE, Ark. -- Arkansas' football team was in mourning Sunday following the death of backup tight end Garrett Uekman.
The university said Uekman was pronounced dead at Washington Regional Medical Center in Fayetteville on Sunday afternoon.
The cause of death wasn't immediately known, but the university said Uekman was found unconscious and unresponsive in his dorm room on campus at approximately 11:15 a.m. Sunday. He was last seen playing video games by a roommate approximately an hour earlier.
When emergency services personnel arrived, Uekman was in cardiac arrest and was pronounced dead at 12:10 p.m.
"Garrett Uekman was a special member of our family, and we are all saddened by his passing," Arkansas coach Bobby Petrino said in a statement. "His loss is a terrible shock, and it makes you realize how precious life is."
University police Lt. Mat Mills said there were no suspicious circumstances about Uekman's death, and his body will be sent to the state medical examiner for an autopsy.
The 19-year-old Uekman redshirted last season for the Razorbacks and played in nine games this season. He was majoring in applied exercise science.
Uekman's parents, Danny and Michelle, released a statement through the university.
"Our son was living his dream of going to the U of A and playing football for the Razorbacks," the statement read. "He loved his school, his coaches, and his teammates and classmates, and was an influence and inspiration to so many people. We ask for your love and prayers for Garrett, our family and his friends as we all cope with this heavy and painful loss."
David Estes, the football coach at Little Rock Catholic where Uekman played in high school, said he was told by Arkansas running backs coach Tim Horton that Uekman had been found by his roommate in his dorm room on campus. Estes said he watched Uekman play and was "beaming from ear to ear" Saturday night in Little Rock's War Memorial Stadium as the Razorbacks beat Mississippi State 44-17.
"Garrett was any parent or coach's dream," Estes said. "He was one of those special kids and had a passion for everything. He loved Catholic High, loves UA and wanted to be a Razorback forever.
"He got to live that dream."
The No. 3 Razorbacks (10-1, 6-1 Southeastern Conference) play at No. 1 LSU on Friday.


text:
If Obama tells Barney to believe it, he will, no one else will, but Barney will. If Obama was to get on to Topix he would say to Barney "I own you" and Barney would die happy.C'mon people, does anyone really believe that almost 900,000 jobs were created in September? We have been clicking along in a downward trend for months. The job creation rate has been around 130,000 for those months. This is just a flat out lie. This would be the equivalent of someone who runs five 40yrd dashes. The first 4, the average time was 5.7 seconds yet somehow, some way, the final time comes in at 4.2 seconds. Anyone who saw those times on paper and knew anything about sprinting would realize that the jump in time would be physically impossible. It's the same thing here with the jobs reports. The jobs market simply doesn't respond in that way. If it did this president's policies are the least qualified of any president in history to make it happen. I sure hope no one is gullible enough to actually believe these numbers. The Obama administration is simply lying. Heck, the Christmas season hasn't even hit yet.
#16463 Oct 6, 2012
#16464 Oct 6, 2012
No one believes that you area straight man
#16465 Oct 6, 2012
You lose what little credibility you had when you say a word about your intelligence, we think it is dandy that you have coworkers that type for you.
United States
#16467 Oct 6, 2012
You're right, your lies and misrepresentations won't change anyone's mind...
United States
#16468 Oct 6, 2012
Wait a second. You don't really take that to mean he wants to go back to slavery do you? Slavery, as horriffic as it was, ended up as a blessing to blacks in America. How could anyone possibly deny that? Had slavery not happened in America, had all of those countless African's brought to America not suffered and died, there would be no "African-American's" with the opportunity to live free in the greatest country in the world. Provided they don't fall into the welfare slavery trap. Had slavery not happened, every black person in America whose family came over from Africa as a slave would still be in Africa living in who knows what conditions. Blacks in America should be forever greatful to those who unwillingly gave so much that they may be free. Yes even free to post the type of crap you just posted. Your quote is political correctness at its purest. Political correctness is whats killing our freedoms and, if we fall as a nation, it will be one of the major factors.
#16469 Oct 6, 2012
What a pile of crap. When you have no facts on your side scream "racism". If you don't like the job our President is doing? racism. It sickening. If you really knew your history (which you don't) you would know it was the Republicans who freed the slaves. It was the Democrats who boo'd when Sammy David Jr. sang the National Anthem at the DNC. Before you throw up that racism BS look at the facts, this President is a disaster regardless of his race.
Since: Dec 10
Kansas City Ks.
#16471 Oct 6, 2012
WTF do you call his book. OMG what a idiot.
Jon Hubbard, a Republican member of the Arkansas House of Representatives, has written a new book in which he says slavery was "a blessing" for African-Americans, among other questionable statements.
Hubbard, a first term Republican from Jonesboro, Ark., makes a series of racially charged statements in the self-published book, including saying that integration of schools is hurting white students, that African slaves had better lives under slavery than in Africa, that blacks are not contributing to society, and that a situation is developing the United States which is similar to that of Nazi Germany
#16472 Oct 6, 2012
I will say the Nazi Germany line is spot on. Charismatic leader lying to the public, slowly taking away rights and making a Nation dependent on the Government. Sound familier? and the unemployment number? let's face it folks, it's not opinion it's, what's the line the sheep cheered so loud for? it's MATH!
Since: Jun 12
#16474 Oct 6, 2012
Why should Romney get 8 years to "fix" Obama's mess when Obama has only had 4 years to "fix" the mess he inherited? Double standard? Wishful thinking?
Since: Jun 12
#16475 Oct 6, 2012
It WAS Republicans that freed the slaves, but that was a long time ago. Things change. It's been a while since Sammy Davis Jr. sang a damn thing. Maybe you should read a paper dated later than 1970, you know, before you throw up that republican tolerance bs.
#16476 Oct 6, 2012
Call Ann his child bride and ask her when is the first time the pig had sex with her.
#16477 Oct 6, 2012
Mitt is a looser? btw, someone who wasn't a "looser" might spell that loser. Mitt's 2nd shift Butler pays more in tips then your entire inbred family makes in 10 years. Millions of people want Mitt to be President. He has more money in his dryer lint trap then you'll make in your life. Who's the loser?
#16478 Oct 6, 2012
The post I was replying to was based on events decades ago. If you had any level of comprehension you would understand the point of reference.
#16479 Oct 6, 2012
Ask Barack how drunk he had to get to have sex with Michelle?
#16480 Oct 6, 2012
Obama claims to have grown up as a typical black in his books, you can't always believe what these authors with political aspirations write.
Since: Jun 12
#16481 Oct 6, 2012
child of the south's post was about Jon Hubbard. Child referenced Lincoln, but the post was about what the gop stands for NOW. I comprehend just fine.
#16483 Oct 6, 2012
If the miniscule drop in the unemployment rate is President Obama's "October Surprise", then maybe Barney is the smartest Democrat on topix.
Since: Dec 10
Kansas City Ks.
#16484 Oct 6, 2012
Look again Albert , that post was absolutely not based on "events decades ago" ,
Post #16469
"Child of the South wrote:
I haven't said much on the election season, given that I don't know if it changes anyone's mind, but as a child of the Deep South during the Civil Rights era, I am shocked and appalled that someone like this Arkansas State Rep. Jon Hubbard"
This deal with Hubbard and the other Republican bigot just began this Friday.
Since: Dec 10
Kansas City Ks.
#16485 Oct 6, 2012
It started last Fri.
#16486 Oct 7, 2012
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Dec 13, 2009 at 12:08 pm #1252556
W I S N E R !BPL Member
I was out backpacking this weekend with Michael Skwarczek (also on this site) in the foothills of the San Gabriel Mountains. We're enjoying the rain, sitting and eating dinner in camp, trying to keep a very tiny fire going. Surprisingly, we see a headlamp coming out of the dark rain at ~10PM…
"$hit, is that a ranger?" we're both thinking.
Yes, our fire was technically illegal. I think us being in that part of the forest was illegal too (closure from the recent Station Fire…which has been out for months). But I do it all with a perfectly clean conscience: because I'm not doing anything wrong, no matter what any forest bureaucrat tells me.
Turns out it was two other backpackers itching to get out in the rain as well.
First thing they said:
""We were thinking $hit, are those rangers?" when we you saw you."
On a recent trail run in the mountains: turned back by an armed ranger for my own "safety". The area had recently burned and they have it closed, apparently, for my own good. Too much slide danger. Too many downed trees. Trail was destroyed he said. Thing is, I ran there two days before "illegally". It's the forest, same as ever, with some burnt trees and bare hillsides. WTF!?
Finishing a dayhike with my wife, I'm literally carrying two half full 30 gallon trash bags full of junk from the trail. I get back to my car to find a forest service employee checking to see if I have my "Adventure Pass" on the car (a parking permit for using the forest)…I clean the trails, I paint over graffiti, I've volunteered on trail crews. And the folks getting paid to be "stewards" are there to give parking tickets.
Why should one's first reaction be "$hit, a ranger."?
Can I opt out of being protected from myself in the woods? Sign papers that I won't sue if I fall if the trail is in bad condition?
This system is really a complete joke.
Forest Closed – what a concept.Dec 13, 2009 at 12:40 pm #1553302
John S.BPL Member
You have a conscience or you would not have that "feeling". Same as when you run that redlight and thought you saw a police car in the corner of your eye. Those guys simply have a job to do to enforce the laws/regulations for the safety of the general public. As my attorney hiking friend says, it won't be you suing, but your family if you were killed and a ranger/land management had not done their job.
I've done it before too ; ).Dec 13, 2009 at 12:54 pm #1553305
Welcome to the 21st century. If you think how the rangers work is poor, you should see what bureaucrats and legislatures have done with out prison day… err schools.
Really though, while many of the efforts of the government did start out as good ideas and their intent is proper, the legislation made are often by people that have no idea of whats going on and in practice things are dealt with in a way in which to cover a persons own ass than to try and solve a problem. If this results in creating a no risk society with no blame, well than they won.
Government exists to protect us from each other. Where government has gone beyond its limits is in deciding to protect us from ourselves.
Ronald ReaganDec 13, 2009 at 1:07 pm #1553308
Sigh – I can't resist.
We don't need permits in Australia, and we don't need permits in Europe either.
CheersDec 13, 2009 at 1:20 pm #1553311
and your politicians make less money too.Dec 13, 2009 at 1:52 pm #1553321
Bob BankheadBPL Member
@wandering_bobLocale: Oregon, USA
Send us your politicians, Roger. We'll send you ours AND pay the freight both ways.
PLEEEEEEEASE!Dec 13, 2009 at 2:04 pm #1553325
Art …BPL Member
While I'm NO fan of bureacratic baloney,
Sometimes the land is closed to protect it from us.
Give the land some space after a fire. Let it recover for a season. One or two transgressers may do little harm, but imagine if all of LA were up there right after a fire.
The rules are not aimed at "the one" they are aimed at the many. You may think you are only one, but you are also part of the many.Dec 13, 2009 at 3:57 pm #1553367
Brandon SanchezMember
@dharmabumpkinLocale: San Gabriel Mtns
It isnt a perfect system, but what would you put in its place?
Instead of a government run park would you rather privatize the national parks and forests? Then they could charge more and develop more. If thats not profitable… just extract the resources and mow the forest down!Dec 13, 2009 at 4:02 pm #1553372
"and your politicians make less money too."
From a different source, too.Dec 13, 2009 at 4:08 pm #1553374
"Sometimes the land is closed to protect it from us.
Give the land some space after a fire. Let it recover for a season. One or two transgressers may do little harm, but imagine if all of LA were up there right after a fire."
I've got to second Art's position here, Craig, albeit reluctantly given my deep seated mistrust of what our government has become. It is a case of trying to limit the erosion damage until new growth has begun to stabilize the soil again.Dec 13, 2009 at 4:22 pm #1553384
Jim W.BPL Member
@jimqpublicLocale: So-Cal
I'm with you… sort of.
The "Adventure Pass" really irritates me. I don't mind paying to help support the National Forest recreational mission. My problem is the very premise of the fee only for Southern California. The original USFS web site explaining the pass had a statement something to the effect that the fee was needed because it wouldn't be fair for people from other parts of the country to subsidize the heavily used National Forests in Southern California. I did some research and found that approximately 10% of all federal income taxes are paid by Southern California residents. Our local NF's certainly don't get 10% of all forest recreation funding.
These days I just happily pay for the annual parks pass that covers all National Parks and fee areas.Dec 13, 2009 at 5:17 pm #1553397
Hi Bob
> Send us your politicians, Roger. We'll send you ours AND pay the freight both ways.
NO deal. Why on earth would we want your politicians????
CheersDec 13, 2009 at 5:20 pm #1553399
> Give the land some space after a fire. Let it recover for a season.
Chuckle. Ever walked through a fire zone shortly afterwards? You get FILTHY!
I understand the concept, but it doesn't happen in reality. People usually go 100 m and turn back.
CheersDec 13, 2009 at 5:23 pm #1553400
> Instead of a government run park would you rather privatize the national parks and forests?
Sorry, but I cannot see the relevance of this question. ALL our National Parks (in Oz) and all the ones in Europe are run by the State and Federal governments, but they don't charge for access and they don't require permits.
It seems to get forgotten that 'the government' does not own the land: it is owned by the people. Or it should be.
CheersDec 13, 2009 at 5:52 pm #1553412
Cayenne RedmonkBPL Member
@redmonkLocale: Greater California Ecosystem
Opinion, but I see America as being closer to a company with a military, than a government with a population. If we didn't use what little government we have to protect some lands, our companies would own everything and you wouldn't need a permit to go on lands. The land would be private.Dec 13, 2009 at 6:29 pm #1553433
W I S N E R !BPL Member
I would love for someone to explain to me how my hiking in these recently burned zones has stifled recovery.
Erosion? I was hiking and running on the same trails that have always been there, camping in designated spots that have remained untouched by fire. Come have a look sometime, I guarantee you'd be baffled too.
A ranger I spoke to cited, and I quote, "downed trees and increased risk of rockslide" as the reason for closure of one major area.
Oh no! Tree down, blocking the trail! Please protect me…for I could never just climb over.Dec 13, 2009 at 6:41 pm #1553440
Dean F.BPL Member
@acrosomeLocale: Back in the Front Range
What?!? What Europe are YOU hiking in, Roger? I just spent two years living on the outskirts of the Pfalzerwald, one of the bigger 'National Parks' in Germany, and it was essentially illegal to camp in it! You had to either:
1. Belong to a trekking club, and use their leased-in-perpetuity gazeebo.
2. Find one such gazeebo, correctly guess which local town had the trekking club it belonged to, call the burgermeister of that town to get the phone number of the club president, call him, PRAY he liked you and would grant you permission to camp at the gazeebo without charging you 100 Euro, etc.
3. Camp in a town fairgrounds. A viable if not very esthetic option, as all of these parks contain towns and farm fields, and are crisscrossed by autobahns.
4. Commando camp, and PRAY a forestmeister didn't find you, because he would cuss you out while speed-dialing the Polizei.
5. Rent a space at a commercial campground- which is actually more expensive than getting a room in a gasthaus for the night, and which is designed for campers with caravans, not tents.
It's like this is most "parks" in Germany. (Yes, scare quotes.) I generally got the impression that while many Germans like to walk, not so many like to HIKE, and a vanishingly small number like to CAMP (the way I use the word, at least).
After all, they cram 85 million people into a country the size of Oregon. If any significant percentage of them were hikers the Alps would be absolutely overrun every weekend. Which, in some ways, it is anyway.
Speaking of which- like all other nations bordering the Alps there are some decent areas in the mountains, though. Even then, in most places generally you HAVE to stay in a hut or other shelter- you can't pitch a tent unless the shelter is full. And even then you must pitch it near the shelter.
Not, mind you, that some jaegerschnitzel and a decent hefeweizen aren't appreciated after the hike to the hut…
What the German's call "National Parks", is more like what an American would call "National Forest." They are managed, and logged.
I'll take the permits, personally. US parks have permits because we are unwilling to pave and build huts everywhere. :o)
Unfortunately, we criminally underfund the NPS.
But, of course, we have our Wildernesses, which IMHO are superior to the Parks.
I will admit that the UK, however, has very enlightened right-of-way laws. Germany does, too, regarding walking over other people's property, but certainly NOT camping there. The Polizei show up QUICK, and accuse you of being gypsies and squatters. Most of Europe actually seems to be tolerant, for instance, of people walking on dirt access roads through a farmer's property- as long as you don't trample a field that's in crop.
I am quite ignorant of Oz. But 20 million people with a whole continent to themselves sounds like Eden. Why do you ever leave, Roger? :o)Dec 13, 2009 at 7:22 pm #1553458
"Ever walked through a fire zone shortly afterwards? You get FILTHY!
I understand the concept, but it doesn't happen in reality. People usually go 100 m and turn back."
Yeah, I've walked through a few of them(but don't anymore since I became aware of the potential consequences) and yeah, you get a bit groaty from the knees on down(unless you're a total klutz, or brain dead). That doesn't invalidate the concept, as you point out, nor does it invalidate the need, at least in America, to warn people off to prevent erosion damage. Maybe folks here just aren't very fastidious. Whatever. But they will do it here, Roger. Trust me on this one. And the danger is very real.Dec 13, 2009 at 11:51 pm #1553523
Hi Dean
I will plead ignorance of Germany. I was talking about France, Switzerland, Spain and the UK.
The French have a ban on 'Camping' in many places, BUT – when they talk about 'camping' they mean 'car camping', for several days. Big tents, BBQs, campervans, etc. What we do is called 'bivouac', just for the night.
The Swiss have a ban on some camping below 2,500 m – if anyone enforces it. But just ask and get the farmer's permission. We bivouaced and no-one cared.
The Poms … we just camped. We asked once, and the farmer told us where a good corner was.
The Spaniards around the Pyrenees – I suspect they couldn't care less.
> But 20 million people with a whole continent to themselves sounds like Eden.
Hum … it's a very OLD continent, mostly flat and VERY dry. I suspect we are going to find out fairly soon that our available fresh water won't feed many more than that. Our major rivers are already running dry. Of course, there's a lot of desert over most of the country, and a lot of bushfires too.
Otherwise – yeah, we like it.
CheersDec 14, 2009 at 12:02 am #1553524
ben woodMember
@benwoodLocale: flatlands of MO
"It seems to get forgotten that 'the government' does not own the land: it is owned by the people."
abso – friggen – lutely!
anyhow… i have walked through land that was recently burned, infact, walked by downed trees that were still on fire. no problem. the problem, as usual, depends on the individual being irresponsible.
i have been hiking in a fire ban in 3 days of straight hard rain. if individuals were responsible we wouldn't have to worry about such things. craig, i think i am with you on this topic. let me sign the same papers and be responsible in the forest for myself. BTW, i always pick up any trash i see on any trail no matter what.
good luckDec 14, 2009 at 6:38 am #1553545
Diplomatic MikeMember
@mikefaedundeeLocale: Under a bush in Scotland
The right of responsible access to land in Scotland is enschrined in law. You can legally hike, camp, cycle, and horse-ride over most land with one or two exceptions. You also have the right to sail and canoe on any stretch of water.
The exceptions are mainly based on common sense. Obviously you can't camp in someones front garden for example, or a military excersise area, or the Glenfarclas barrel room. :)Dec 14, 2009 at 11:04 am #1553608
this is also made evident in the loss of most homestead laws over the past 30 years. These days, it takes massive corparations and developement project to free land for private use.Dec 14, 2009 at 12:06 pm #1553629
Roger BBPL Member
@rogerbLocale: Denmark
In Denmark it is also camp where you are told and no where else, though I have never seen a park ranger (not even sure if they exist). In Sweden it is All mans rights which basically means you can camp anywhere, but also means that hunters, motor bike riders etc. can also use the same area.
Norway is similarDec 14, 2009 at 12:24 pm #1553633
Bob BankheadBPL Member
@wandering_bobLocale: Oregon, USA
Here is one solution to the hordes of unwashed, unwanted campers and/or intruders. Some of the CDT hikers have mentioned the attitudes of a few New Mexico ranchers regarding this.Dec 14, 2009 at 12:32 pm #1553635
Chris TownsendBPL Member
@christownsendLocale: Cairngorms National Park
"In Sweden it is All mans rights which basically means you can camp anywhere, but also means that hunters, motor bike riders etc. can also use the same area."
It doesn't give the right of motorised transport in wild areas and hunting is limited to certain times and places. I've hiked and ski toured extensively in Norway and Sweden, including spending a summer walking soith to north right through those countries, and their mountains and wild places are beautiful and surprisingly empty, except in the most popular areas at the most popular times.
In Scotland we have the same rights of access and right to camp but again there is no right for motorised vehicles and hunting is strictly controlled.
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showing in your behaviour that you are anxious and nervous Calm down! Don't get so agitated. See related entries: NervousExtra examples He sounded very agitated on the phone. She started to grow agitated at the sight of the spider. She's agitated about getting there on time. Calm down! Don't get so agitated.adjectivejump to other results
BrE BrE//ˈædʒɪteɪtɪd//; NAmE NAmE//ˈædʒɪteɪtɪd//Nervous
Check pronunciation: agitated


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I don't see how all you mamas out there are taking on the elf AND advent gifts at the same time... mom fail for me this year, as I am boycotting and and doing the minimum as I can barely remember to move our elf every morning before the girls get up. Roxie is our dandy little elf and she's pretty relaxed so I'll bookmark all your original ideas and overly creative elf shenanigans for next year when I hopefully have a bit more time/energy/desire. I sound like the Grinch..
Every year, I come up with a theme AKA color scheme for our packages...this is a habit that stems from a mom who is notorious for delivering the world's most decorative presents... yes, she is famous and hers always win. Last week, the girls and I stocked up on our gift wrapping supplies at our favorite red store marketplace/heaven/every mom's favorite place and I think our gifts are going to look fun, festive, and a little homespun.
I'm sure I'm not the only one who stocked up on some amazing Cyber Monday finds this week...the postman has been delivering our goodies the past few days and I am so excited with my new treasures, perfect for holiday parties and events coming up!
You know the drill...link up below, and have a happy, safe, festive, and fun weekend.


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Factor debt into all of your financial plans. Ongoing credit card use or safe payday loan online help will make today's costs more affordable, but the demand for payment may just create more trouble a few short weeks later. Those who live paycheck to paycheck struggle with debt payments as well as other mismanagement consequences. If your budget only covers actual costs, how can you afford to pay finance charges?
What does high debt do to your overall finances? It not only creates problems within current budgets but will decrease money opportunities down the road. These finances charges will only stop once full balance payoff is complete. Every credit card statement and short-term loan rollover contains fresh finance charges. Borrowers are charged a certain interest rate for every day that balance remains unpaid. The good news is that if you at least work to lower the balance the charges will decrease accordingly. Obtaining the money to pay off or at least pay down the debt is another matter that only you and the budget can handle. It won't be easy, especially if you carry large amounts of debt. Your credit score and history reports regulate much of your current and future lifestyle.
Your credit directly affects your home and where you live. Mortgage approval and interest rates vary based on an applicant's credit score and payment history. High debt numbers and/or poor payment history will negatively affect your chances. Rental management companies will perform credit checks before accepting an application to lease property. They will view your account like any other lender or creditor would. How much debt are you carrying and how well you manage it will both factor in on the final decision? They won't see low fee payday online lender debt, but they won't have to. A good management company will know when an applicant has overextended their income.
Student loans, car loans and credit cards vary in size and interest rates based on your credit ratings. Utilities and insurance companies use them too. When scores are bad, you may need to make a down payment in order to open a new electricity account. Insurance companies use the scores to measure your risk factor. Life can spin out of control creating worse problems than you can think of if you don't understand how important it is to keep your credit history clear of negative reports and your score in a prime ranking category.
You have to be realistic when applying for financial help. You can't hide the past, but you can make for a better future. If your application was rejected by any lending company, you want to know why. Information provided to you during this explanation will help you focus on what to do next. Learn from the rejection to help change your financial outlook. Listen to the online payday best lender rejection. You will learn what makes a bank account successful. Not only will it optimize your everyday life, but it will help to lower future costs.
Who wouldn't want a home mortgage or car loan with the lowest rates? Wouldn't it be nice to consolidate your private student loans at a reasonable rate? The less you pay in interest each month, the more money you will have to live. Would it hurt you to never need payday loan help again? Credit cards will offer you the best rates lowering monthly minimum requirements. You will have a more positive outlook towards your future with money to put towards retirement. Let your credit rating trickle affordability throughout your finances instead of tightening the reigns of hope.
8 Tips to Payoff Safe Payday Loans
Convenient safe payday loans online are often used when a bank account needs a quick boost of cash to make to the next payday. Every personal situation differs so there are many reasons why this short-term loan is used. With two week average terms, these loans can often prove frustrating to people who lack enough income to cover both living expenses and debt. Not all low-income wage earners need a fast cash fix.
If the budget cannot balance demand and supply, safe payday online loans are one way a credit challenged person may solve a quick money problem. In order to keep the problem from growing, the payoff should be made as soon as possible. If you are a borrower who struggles with the payment terms and conditions, the following 8 steps will help you organize your budget to get the debt paid off quickly.
8 tips to safe payday loans payoff:
1. Stop borrowing money. Don't reuse a new payday loan online in order to pay off a previous one. The interest will only further eat away at you income.
2. Your minimum payment must cover the interest fees. You will want to pay any amount over that to bring pay down your principle balance. Empty the piggy bank, return the bottles. Cut some items off your grocery list. If you cannot afford to pay the loan off in full, scrape together as much as you can. This will lower the interest fees the next term around.
3. Continue to cut back. This is a good time to really look at your budget expenses. If you are going to cut back to payoff this debt, you might as well follow through and continue to pay off creditors once this short-term loan is paid off. Work on high interest debt first.
4. If you are paying extra towards credit cards at the moment, take any excess above the minimum payment and add it to your short-term loan payoff. Once the payoff is complete you will now have extra to apply to credit card debt.
5. Be careful on what you spend throughout the two weeks. Carefully consider each purchase. That money might be more useful as a short-term loan payoff rather than pizza delivery.
6. Is there any freelance work you could do to earn some quick extra income? If you don't have a skill or talent, try selling off unwanted personal property.
7. Even as you pay down the debt, don't change targets. Keep at the short-term loan until it is gone. Between short terms and high interest, this debt holds higher priority than credit cards no matter what the balance is.
8. Stay the course. Don't give up even if it takes multiple terms to pay it all off. You are much better off putting the debt behind you then keeping it on your to-do list. If you get frustrated with all the cut backs let one slide briefly instead of quitting altogether. Rewarding yourself for a job well-done is a good strategy.
A safe payday online loan is a fast way to get over a budget hump. Just as fast as you received the money, you will want to work at obtaining the cash to pay it off. It's a short-term loan so don't hesitate when planning for the payoff.
When you do decide to apply, don't wait until the last minute. Direct lenders do reject applicants who do not meet qualification standards. You may have questions about fees or have Internet troubles. Your income may qualify you but there could be a different problem verifying your information. One additional tip; apply during regular business hours so you have the opportunity to talk directly to the lender to get your questions answered and your problems addressed.
Apply Online, Difference Between Secured And Unsecured Loans
What loan is right for you?
Secured loans
If you are a homeowner, a secured loan could allow you to borrow money at a low rate against your property, even if you have a poor credit history. One key difference between secured and unsecured loans is that with a secured loan.
Secured loans are ideal for anything from a new car, consolidating existing credit or adding value to your home by making improvements or even adding an extension.
Please be aware that when consolidating items of credit, whilst your monthly repayments may reduce, you could be extending the term and therefore the total amount of interest you will pay.
Unsecured loans
With an unsecured loan, they are quite different in that the loan is based on your credit worthiness, your income and what debts, if any, you may have.
If your credit history is less than perfect, these loans can be much harder to obtain and can have higher interest rates if your criteria does not meet their specific requirements.
Looking for the Best Loans?
If you're in need of quick funds and have exhausted the more traditional routes of bank loans or borrowing from friends and family, it may be time to consider taking on a Short Term loan. But how do you find the best cash loan, or a payday loan for you and your unique financial circumstances?
Be Sure to do Your Research
The most important thing to remember when considering a personal loan is that it caters to you and your resources. For starters, you should understand the difference between a secured and unsecured loan. While a secured loan requires that the borrower have collateral in case they miss a payment, unsecured loans are available to individuals who may not have that collateral.
Next, you need to determine how much cash you need. For many individuals considering a short-term loan, the motivation is an emergency of some kind, like an unexpected medical bill, car, home expense that results in needed minor repairs. If this is your situation, a short-term loan may be worth considering. Because they are often for smaller amounts and repaid over shorter periods of time, this could be considered the best cash loan for emergency circumstances.
Finally, research the lender and their reputation. While some lenders may advertise "LOANS RIGHT NOW!" they may also be hiding certain fees or costs that come with that loan. Get an idea of the lender's standing by researching them on the Internet, or call their customer service with any questions you have. The quality of customer service offered by a lender is a good indication of how they would treat you if you were one of their customers.
Apply Online Today for One of the Best Unsecured Loans
No matter how much you plan, there will always be unexpected expenses. Whatever these emergencies are, if you're looking for the best unsecured loans to help out, contact us today and see what we have to offer.
Strategize Short-Term Debt With A Payday Loan Online
There are all sorts of strategies to help with debt. Most people carry large amounts of credit card debt for years. Some take a more proactive choice towards emergency costs by applying for payday loans, the short- term approach. These low cost loans can cause a bit of a pinch in your pocketbook, but they promote spending less in the long run. These low cost loans are not always the most effective approach towards financial problems. When the money crisis calls for more than a few hundred dollars, a person will need to look elsewhere for assistance.
As long as a person has access to additional credit cards, this is the favorite approach towards emergency costs. When you look at the minimum balance in comparison to the full payment for a direct payday loan, it definitely seems like the economical approach to well managed finances. Because these cards are most often paid over an extended time period, often years, the true cost is not recognizable. Credit card companies are now required to show on every statement the amount a person will pay over time if only the minimum payment is made each month. There also needs to be an additional figure of a higher payment cost over time. For those people who do not think about the detriment of minimum payments, their eyes can be opened by reading monthly statements.
Often times, debtors will overspend by using credit cards. As debt is paid down each month the cards continue to be used to cover current expenses; it's the yo-yo effect. Make a payment to lower the balance then use the card to bring it back up. If a person does not have good spending habits, the debt will continue to increase even after making monthly payments.
The use of payday loans will reinforce spending control. Only so many of these short-term loans may be out at one time. It varies state to state as with individual company qualifications. The loan is for only a few hundred dollars (a much smaller amount than most credit card limits) the money is deposited into the bank and what a borrower does with the money is up to their own personal situation. Here is the clincher, once the money is gone, the money is gone. Making payments towards the loan is not going to bring back an available balance. If someone needs more, then they will be required to apply for more. Companies which regulate their loans to how many are already out are doing the borrower a favor. Responsible lenders want the customers to afford to pay back the low cost payday loans. Credit card companies will allow the money to be reused and will often raise the interest rate on prior purchases. It's like being caught in a revolving door not knowing how to step out.
Take a long hard look at both spending habits and resources used to overspend budgeted costs. It is extremely important to protect both current and future finances.
Payday Loans Online – Why Not?
The economy is getting more complicated every single day and we all need money. But how urgent do you need money to pay for your immediate spending needs? The next payday are still weeks away and you needing the money right at this very moment is making it hard on you. The answer is simple: payday loans online. Just fill up the short application form online and there goes your cash advance before you even know it.
Payday loans online offer short-term unsecured cash loans to assist you with your immediate cash needs while waiting for your next payday. Simply apply online, provide the necessary details, have it approved and then the cash you borrowed will be electronically sent to your account. Normally you are allowed to borrow between $100 and $1,000. To finalize the transaction, it will still have to undergo a screening process by the lender. You will be able to repay your loan through the bank account that you have stated and automatically withdrawn along with the agreed fees to be paid. The repayment terms could vary from one lender to another, therefore you have to review the terms and conditions very carefully. No collaterals necessary. Once your application is approved, you will be provided with a wide-range of reputable lenders for you to choose from. Each lender has different terms and conditions that you may need to read thoroughly before selecting. They are trustworthy and there will be no hidden charges. Every single fee shall be transparently showed to you before completing the transaction. No processing fee will be charged during application.
If you have a bad credit, the company will look for lenders who are willing to lend you money provided that you have a stable income and you pass their necessary requirements. Unlike other lending options where in you have to fill-up tons of complicated application forms and wait for two to three weeks without assurance of approval, you only need twenty-four hours or less with online payday loans for the processing. If you are worried about the protection and privacy of your personal information, fear not because they are very much secured. Sometimes they give refunds of fees when you pay back earlier than the due date agreed upon. This will make transactions smoother in the future because you will have a better credit history. If you fail to pay back, the penalties will depend on your agreement with your chosen lender. However, it could be as huge as facing criminal charges or as small as paying extra fees. You are also not allowed to apply for new payday loan without settling first the previous loan, but you may renew your payday loan for the next payday.
To pass the initial application process, you must have the following requirements:
Currently employed or having a regular income (sometimes indicating a minimum number of days employed)
Monthly income of at least $1,000/month after-tax
You must be at least eighteen years old
A US Citizen or a permanent resident of the US
A valid checking or savings account under your name
Contact details – a valid e-mail address, home and work numbers, mobile numbers, home address
Although it is easier to apply for a short-term cash loan with payday loans online, you must be responsible enough with your finances. If you have budgeting issues, it is best to seek the help of a financial advisor for better financial management. Your monthly income should be able to cover up for your debts and other expenses. You can also notify your creditors on your willingness to pay but have budgeting problems. They can help you out and offer budgeting plans. Online payday loans only solve your short-term and urgent financial needs while you wait for the next payday. You also have to be responsible for the repayment of your loans or you could be facing a bigger trouble. If you cannot pay your loan in full on the agreed due date, you may apply for a loan extension. There will be a customer service representative to answer every question so make use of this before you make a decision. An e-mail will be sent to you once your application is approved.
Payday Loan Online: A Quick Solution Or So You Think
There needs to be additional help for people who fall to a fast payday loan online in order to put food on the table. Direct lenders do not ask what the loan is for; the quick cash opportunity is a loan of discretion. No one is going to ask why or what the money is for. If you meet the qualification guidelines, that is enough to get an approved loan.
It isn't always about not having a job. Low-income workers do have a monthly income but are not capable of living within their means. State and county aid programs offer some relief, but this help is not always enough to make it work. There are many who work very hard to make ends meet where there are others who spend carelessly and realize their wrong when there is not enough food to feed their families. A quick online payday loan transaction will buy enough groceries to get by to the next paycheck, but what happens after that?
Maybe there needs to be some budget assistance which comes with government help. Show that the money or food assistance is being to make finances work. There will always be arguments on either side of the fence as to regulation of assistance. In the meantime, people who look to these direct payday loan lenders for help are not helping their finances in the long run.
There are direct lenders who are responsible enough to now approve loans for those who cannot prove that they earn a set take-home limit amount each month. There is a best practice used by many lenders who do not want to strap borrowers. It takes the borrower to find one of these good lenders. Too often, a person's vulnerabilities will lead them in the direction of one who offers less than good practices. Applications are turned down for a reason. Understand the reason your application was declined before you look for a new lender to apply for.
It is very important to look into each company before you apply. Some predatory lenders will use the application process as a way to make about $30 off each potential customer. This fee does not guarantee an approved loan, so only work with lenders that provide free applications. Remember that you are searching for additional funds, not looking to waste the little you have right now.
Desperation can also lead to using a lender with extremely high interest rates. Some of these same lenders will also have hidden fees which pop up when the loan is extended or rolled over. Many states have regulations in accordance with rates and payday usage. Make sure you are following any state regulations by only working with a company that does the same. Finding a company that wants to bleed your bank accounts dry is doable, but you shouldn't let it happen.
It isn't just the low-income borrowers who run into money troubles. Direct lenders do not favor one or the other. They favor applicants who have the income capable of handling the short-term debt. Since there is no credit check, these lenders are unaware of what other bills you have and this factor can in turn cause problems for both borrower and lender. As easy as it is to blame a direct payday loan lender for taking advantage of the vulnerable, the borrower must also be blamed for not accepting a rejection from a responsible lender. If you keep trying, eventually you will find a predatory lender willing to accept your application. Think twice before you run out of food money, maybe there are some other costs you can cut back on so you don't hurt your financial situation further.
Payday Loan Online Cannot Solve Debt Problems
"How can I get a payday loan online?" is a question which can be answered quite easily. Most people who ask this question are looking for answers to some sort of financial trouble. The problem arises for customers when they find out how to get the loan; they just go ahead and apply. These short-term loans are not for every money problem, nor do they fit into everybody's budget come pay off time. More people should be asking multiple questions to try to find answers for financial problems.
That is a much better way to approach short-term loans with high interest rates.
*How is your credit?
*What is your debt to income ratio?
*Are your credit cards filled?
*What is the interest rate for cash advances on your credit card?
*Does your next paycheck support the payoff?
*Are you using payday loans on a regular basis?
*Do you have a long-term solution once the short-term one is paid off?
*Do you have a savings account?
These are great questions to ask yourself before you find out how to get a payday loan online. This industry falls into bad press when customers apply for loans which are not appropriate to solve their financial problem(s). Negativity brews when that same customer is not able to come up with the funds to pay the loan off on time. No matter how regulated these loans are by state governments, there are customers who continue to default with them. Amounts, interest rates and collecting practices are regulated for the lenders to keep predatory practices off the market. Would a predatory borrower be regulated? In fact, there are some states that do regulate the residents. This is done by only allowing so many loans out at a time or per year. Short-term loans are not cost effective when they are used to repay another payday loan. These loans are not cost effective when the balances get rolled over for half a year or more. The interest rates for carrying a payday loan balance are way too high for long-term payoffs. Keeping a payday advance out for longer than the payoff period, breeds high cost payday loan debt.
Debt is not pretty from any lender. People lose homes, cars and family/friend relationships when loans are not repaid. The cycle one can fall into when trying to climb out of debt is burdensome. The hard part is even when you focus your attention to taking care of debt, new financial troubles can still pop up. Use the help which is out there. Look into debt settlement programs, credit counselors or in some cases when the debt is too overwhelming, bankruptcy becomes a last resort option. The hard part is to find the right solution for your money's problem and discover where the problem stems from. It may take some self-discovery to get to the root, but it is doable and people do overcome financial disasters.
How to Get Payday Loans Online – Get a Loan Right Now!
The ability to obtain instant payday loans online has become quite popular. It is quite easy to fill out the online form. Normally, it takes less than an hour for approval and approval is gained without a credit check. It is important to check each payday loans company for verification with the Better Business Bureau in one's local area. If the company one has chosen is not registered, it is a good idea to continue his or her search till he or she has found a registered company in good standing.
Reputable companies understand that there is a need for financial services for those who cannot borrow traditional loans. However, many individuals seek out payday loans online in Ontario without first checking the background of the lending company. It is important to do a thorough search before settling on the company with which to do business.
The concept of payday loans is that an individual can obtain much-needed cash deposited instantly into his or her bank account that will enter repayment on his or her next payday. The interest rates will rise as the length of time till repayment is extended, that is why it is important to pay back these short-term loans as soon as possible. The application process is very simple and streamlined and states all terms and conditions in plain English.
For those individuals that do not know what a cash advance loan is, it is a short-term loan that is also known as a cash advance loan. These are great ways to borrow for those that cannot or do not want to borrow with a traditional lender, such as a bank or credit union. There are higher interest rates due to the convenience of this type of loan and a shorter repayment period. The term of the loan is normally seven to twenty-one days after receiving the funds.
If an individual has had credit problems in the past, there is also a payday loan just for them. For those who simply need help arranging their finances, credit counseling services could be just what they need.
Applying for payday loans online has never been simpler, with shorter forms and more online lenders to choose from. If one believes that this may be the right road for him or her to take, simply research the company before giving out any personal information.
The world is experiencing economic hardship right now. No jobs, housing market at a standstill and no end in sight makes it difficult to hold out hope for the future. North America seems to be worse off for those that live there, even is feeling the strain. With no end in sight to the economic plight, where does one go for extra funds when they are needed? For citizens, extra cash for unexpected expenditures comes in the form of payday loans online.
When a person's paycheck is weeks away, but car repairs or emergency medical treatment is needed, having cash on hand really helps. If a person does not have extra cash for such items, then it can be disastrous. That is when a payday loan can pull a person through a rough time.
All a person has to do is go online and provide information like, citizenship, employment, checking account with bank, drivers' license, and contact numbers. Once the information is verified, a person can have a loan in a matter of hours.
There are no hidden fees to worry about once a person accepts the loan. That can be frustrating to think that everything is all taken care of and then are slammed with another fee. Payday loans online is up front about fees when a person applies so there are no surprises later.
Some establishments may charge processing fees, not so with a cash advance loan. Applying is free and takes only a few minutes of a person's time in the comfort of his or her home.
A person does not have to worry that unscrupulous people may get a hold of his or her personal information either. Payday loans online keeps a person's information strictly confidential. They understand a person's nervousness about giving out personal information and make sure it is much safeguarded.
One of the best parts about applying online is how simple and fast the approval process works. Once approved, the money is wired directly to a person's account and ready to be used. Repayment works the same way, it is electronically deducted from a person's account; no muss, no fuss. Payday loans online makes getting needed extra cash hassle-free. When a person needs cash, he or she should apply online with a payday loan facility in your town.
It used to be quite difficult to obtain a payday loan, but now, with the advent of the internet and payday loans, this is something that more and more people are checking into. This is not to say that more are experiencing financial troubles, even with the global economic crisis; it simply means that now that these loans are easier to obtain, more people are qualified to receive them.
Experts are saying that more individuals than ever before are choosing payday loans for the ease of the application process. This was not so even just a few years ago because of the length of time it took for approval, and many times, properly qualified people were still turned down. Also, back then, your credit had a lot to do with your acceptance, as well; but, all that has changed, and no longer do payday loan centers require a background or credit check.
Also, thanks to the internet's ability to put people in instant contact with various businesses, it is easier than ever before to obtain payday loans. In fact, the entire application procedure has been lessened to just a couple of hours. Imagine, in a little over two hours, you could have the money you need in hand. This is why obtaining payday loans online has become the new way to obtain the funding needed for your emergency.
Of course, there are still the skeptics out there who believe that payday loans may not be for them. Rightly so, as it does sound as if the lending agencies are just handing out free money; however, there are qualifications that one still has to possess and it is certainly not free money. Not only must it be paid back in a much shorter time frame than a traditional loan, but it also has loan fees attached to it for the right to borrow the money. These loans are quite efficient for those finding themselves in a financial debacle, but they do come with a certain price.
The greatest thing about payday loans is the fact that you do not have to suffer through a financial setback any longer. You do not have to look at life as though you need to worry what will happen with your next monetary emergency. Payday loans can help you get rid of your financial problems efficiently.
Understanding the Ins and Outs of Payday Loans
Financial problems can be extremely stressful especially if you need the money instantly. Emergency expenses such as for health reasons, tuition, bills, repairs, mortgage on imminent due date, and more can strike when you least expect it. For average-earning employees, facing these financial deadlines could mean sleepless nights and inevitable headaches. So, what could be a possible solution? You may opt to apply for what is referred to as payday loans.
Payday loans are generally short-term loans that offer a quick solution to your financial woes and can be paid on your next payday, hence, the name. Most of these payday loans are offered to people who needs money urgently and are willing to repay during the next payday with a hefty interest factored in. Payday loan companies are now growing at a considerable rate, making it one of the industries often searched on the web. Availing this loan is considered simpler as compared to other loans that banks and financial institutions offer.
The Criteria
Payday loans are unique in terms of the application, processing, as well as the turn-around time. While most of the lenders boast 'a no credit checking' system, borrows still need to pass certain criteria to qualify. For example, borrowers must be of legal age and must possess a bank account. Another important requirement is to provide a document that would ensure that you have a steady earning and would be able to repay the amount loaned on time. Many lenders require completion of a document before the loan is processed. One of the easiest and most convenient method to apply is by sending all forms and requirements online. It is also vital to point out that such type of loan is far more lenient than traditional loans you know. For instance, people with awful credit score may still avail of the services.
The Amount and the Payment Terms
Generally, the loanable amount varies per state or per country. For instance, in the US, there are still states where payday loans are deemed illegal. However, in some states, borrowers can borrow between $50- $10,000 depending on the credit score. It is important to understand; however, that even if you borrow a hefty amount of money, you still have to repay it within a short period of time.
Lenders also charge borrower's interest rates called the APR (short for the Annual Percentage Rate). Although states have their own ways of imposing strict APR's on loans, the interest rate calculated on payday loans is still considerably higher than the regular type of loans. An average of 20% of you loaned amount is a conservative estimate of the interest that could be possibly added to your loan principal. A rolling interest is imposed once a borrower fails to pay right on time. It is always best to check whether your state has specific restrictions on payday loans to avoid any unnecessary charges. Get to know the local regulations and you would be able to apply for a loan with no problem at all.
The Benefits
Availing short-term loans can be advantageous, too. Check the following list to further understand the upside of this type of loan:
• Easy processing of the loan. As most applications can be completed online, approval and release of loan can be done within the day. Most providers deposit the amount loaned within 24 hours or the following business day. Having a quick access to money is one of the biggest advantages of this loan.
• Convenient repayment channels. There is no need to go to the office as borrowers can repay their loaned amount through an auto-debited account. This is why an active current or checking account is necessary to provide upon the application period.
• Having a bad credit history is not a problem. Most banks would turn down applicants with bad credit standing. With payday loans, this point is waived.
• No collateral required. No hassle and no other documents required apart from the application form ad banking details.
The Downside
• Not all states are legally authorized to offer payday loans. You must check this info first.
• The cost and fees are considerably high. The APR, as well as processing fees, can be higher than other types of loans. If you are unwilling to pay for massive interest rate, then it is better to study your other options well.
• Being unable to pay on time also leads to bigger penalties and interests.
With a number of payday loans providers, it is a must to make comparisons. For instance, reading reviews will be helpful. Borrowers must also remember that these loans are designed to provide a solution. Therefore, it is a must to repay on a timely manner. Otherwise, a bigger financial problem may come your way. In other words, use payday loans as a way to resolve the problem and not as a platform to get into a bigger one.