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Re: Michael Jackson shiv: legit tactic?
If you think of real life, I can shiv a guy with a blade in the neck regardless of being behind him or not...
Re: Michael Jackson shiv: legit tactic?[ Edited ]
If the angle is strange because of lag or something this is of course annoying, but usually you get behind the person, and this cant be removed, because it is the same angle as if you sneak behind the person and this feature is important. However i hardly had people that tried to kill me with this tactic and succeded, the death rate by offensive shivs is propably between 20-50 and i am level 170.
Re: Michael Jackson shiv: legit tactic?
TeabagMcFrag wrote:
It isn't. There's other effective ways, like using a smoke bomb or using stealth instead of pratting around like a ballerina.
What he said^
Re: Michael Jackson shiv: legit tactic?
scootgar wrote:
Real life?
Thought this was a game, not a simulator.
Lol, there's always that one guy who turns any game into a simulator due to no REAL LIFE.....
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Re: Michael Jackson shiv: legit tactic?
I tried making a first-aid kit today by pouring a bottle of alcohol on my dish towel...it didn't work
Re: Michael Jackson shiv: legit tactic?
|[ 39 ]
|Every time a mine downs someone an Angel gets its wings.
Re: Michael Jackson shiv: legit tactic?
I think it's legitimate as long as the game allows us to use it. I didn't like it when it happened to me though. So I just keep my distance to that person. I don't wanna give him/her any more chances...
I tried to demonstrate it after some one did it to me, but I just couldn't... Is there a specific direction I'm supposed to be or turning or moving?? Just curious how it works..
Re: Michael Jackson shiv: legit tactic?
Now that I've had some time to think about it, I'll say that the MJ shiv is legit if the developers agree that it is.
However, I still believe that smoke and stealth are the more effective ways to jab your shiv in someone's throat, but my opinion may change should I opt to do this dirty tactic.


text: NEW YORK - The private company that owns and operates the tunnel between the City of Detroit and Windsor, Ontario - as well as other toll roads in the United States - filed a prepackaged Chapter 11 bankruptcy on July 25 under which the debtor would emerge from bankruptcy under the ownership of Syncora Holdings Inc. with no outstanding debt (In Re: American Rodes LLC, No. 13-12412, Chapter 11, S.D. N.Y. Bkcy.).

subset: commoncrawl


text: SummaryAlthough dictionaries such American Heritage Dictionary of the English Language (2007 ed.) and Oxford Dictionary of Philosophy (2005 ed.) have different ways of expressing the meaning of the word, it can be deduced that the word 'theory' pertains to a set of statements or principles devised to explain a group of facts or phenomena, especially one that has been repeatedly tested or is widely accepted and can be used to make predictions about natural phenomena.


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|Page (1) of 1 - 06/30/11
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Prince William and Kate Middleton, the Duke and Duchess of Cambridge, kick off their Canadian tour with a wreath laying ceremony at the National War Memorial. Rough Cut (no reporter narration).
|William and Kate kick off Canadian tour
Source:?? 2011 Reuters. All Rights Reserved


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Follow the right path
The lab door shut with a heavy thud allowing me and Allen to realise our sudden independence of solitude. We inhaled the crisp air simultaneously before heading off out of Newpine Town. The nearest Town was Newpine Town. It didn't host a gym or a standium but had a Battle Club. I planned for me and Allen to have our first battle their.
"So, where are you from Allen?" I asked after realising he was a complete stranger. My brother travelled with the two other starter trainers and got very far indeed. He says too strong friendship bonds slow you down. This seemed almost perfect.
"I'm from Oldale Town orignally" he replied "I entered contests in Hoenn and Sinnoh before coming here. I entered the Johto PokeAthlon once and got fourth in every event. So close to a medal and yet so far"
"The snow is getting thinner" I cheered excitedly "this is the furthest I've ever gone"
"Those first few steps are the most exciting" Allen announced and then stopped in his tracks "Pokemon." We each scanned our pokedexs, me on the bug pokemon and him on the bird pokemon. They were Bulbug and Eaglide respectively. They seemed in the middle of a duel. It was incredibly exciting.
"Eaglide's a flying type" Allen whispered "It's surely going to-"
"BULBUG!" the glowworm pokemon screamed. A bolt of thunder shot from its tail and struck the flying bird. Eaglide collapsed to the floor. Knocked Out
"What a pokemon" I gasped as the victor wriggled away. I'd never heard of a Bug Pokemon that had such an advantage over a flying type. I placed my hand on two pokeballs. One belonged to Moussaw, the other was the future home for that Bulbug.
"Moussaw, use Water Gun!" I cried throwing the pokeball.


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April 10, 2014
January 23, 2014
November 20, 2013
October 22, 2013
September 10, 2013
Apple has just announced that setting up any new iOS device will ship with free copies of iWork, iPhoto, and iMovie for iOS. The 3 iWork apps including Pages, Keynote, and Numbers, in addition to the two iLife apps– iPhoto and iMovie– will be available for free to users purchasing a new device. During the setup process, users will be prompted to download the five Apple apps for free. Apple will be making the apps available to all iOS 7 compatible devices purchased after September 1st.
Prior to today's announcement, we suggested that Apple could make the apps available for free after announcing its new iWork for iCloud web apps.
September 3, 2013
June 25, 2013
Russian blog iGuides.ru points us to a new hack for Apple TV users that brings Russian subscription TV & movie service Unlimovie.tv to the device with no jailbreak required. The service, which is currently in beta, requires users to manually change the DNS on their device (easily accessible from within Settings) in order to access its digital TV service directly through Apple's own Trailers app.
It isn't the first hack of its kind: Just a couple weeks back, one of our favorite media servers, Plex, arrived on Apple TV without a jailbreak through what appeared to be a similar hack of the stock Trailers app.
The Unlimovie.tv service is currently in beta, allowing users to access a number of Russian digital TV channels for free, but the creators plan to officially launch the service in September through its paid subscriptions. That is, of course, if Apple doesn't put an end to it in the meantime. expand full story
February 13, 2013
Jingu Friends, Slacker Radio, Palringo Group Messenger, iMovie, Dr. Seuss' Hunches in Bunches, Tetris Blitz by EA, Real Racing 3, and price drops
1. Jingu Friends | Free Version 1.4.0 of this people-finding client for WhatsApp, Kik Messenger, Hookt & LiveProfile just hit the App Store with the ability to "slap people with stickers and earn cool badges." Additional updates include emojis in messages, as well as options to follow and get followed, post longer messages, and share links.
Screenshots are above.
2. Slacker Radio | Free Version 4.0.119 of this music service launched today with the following update summary in the change log:
This version of Slacker Radio is all-new for iPhone and iPod, featuring a new visual interface and the debut of the Slacker "Music Guide". Slacker listeners will discover more music, news, talk and sports than ever before. Look for the visual tile layout to view station, artist, album and song pages and enjoy improved functionality and overall stability as you experience the most complete music service available.
More apps and updates below.
September 19, 2012
Apple updates Garageband, Keynote, Numbers, iPhoto, iMovie, Cards, Podcasts, Remote, iTunes U, & Find My Friends iOS apps
As expected, Apple is releasing updates to many of its iOS apps today including Garageband, Keynote, Numbers, Cards, iPhoto, iMovie, and Find My Friends with support for iOS 6 and other new features. We also expect to see a few more updates headed towards the rest of Apple's own iOS apps today following the public release of iOS 6 earlier today.
Some of the new features now available in the updated apps, in addition to iOS 6 support: Location-based alerts in the Find My Friends app, the ability to create custom ringtons and alerts in GarageBand, iPad support for Cards with a new universal app (and new themes, layouts, and iPhoto integration) , and huge updates to iPhoto and iMovie that bring a long list of new features. Release notes for all the new updates below:
• Create custom ringtones and alerts for your iPhone, iPad, or iPod touch* • Import songs from the Music library on your iOS device • Play or record with GarageBand in the background while using other apps** • Addresses a number of minor issues related to overall performance and stability
* Requires iOS 6 or later ** Requires iPhone 4S, iPad 2 or later
• Support for iOS 6 • Ability to open a presentation in another app expand full story
July 25, 2012
Safari 6 with unified search field, offline Reading List released for OS X Lion, Aperture, iPhoto, iMovie updated
In addition to being included with OS X Mountain Lion, Apple has rolled out its updated version of the Safari web browser – Safari 6 – to OS X Lion users. The update includes what Apple calls the Smart Search Field. This new search bar basically unifies the URL bar with the web search bar. Also in the update is offline reading list, Baidu Chinese search support, Do Not Track, and improved password management. The OS X Mountain Lion variant includes a new Tab View and iCloud Tabs feature, but those aren't available in Lion.
Safari 6.0 for OS X Lion:
- Smart Search Field. Safari now has one field for typing both searches and web addresses.
- Offline Reading List. Safari saves entire webpages in your Reading List so you can catch up on your reading even when you don't have an internet connection.
- Do Not Track. Safari can send the websites you visit a request not to track you online.
- Password pane. Manage your saved website logins with the new Password pane.
- Baidu. The leading Chinese search engine Baidu is now a built-in option for Chinese users.
Apple has also released an updated version of its iWork productivity suite with MacBook Pro Retina display support and iCloud Documents in the Cloud sync.
Also, new updates for Aperture, iPhoto, and iMovie have been released. Full release notes after the break (thanks Keith!):
May 1, 2012
Apple has released minor software updates for iLife for iOS. The suite received major updates on March 7, the day of the new iPad announcement, and today's updates focus on slight enhancements and bug fixes.
This update improves overall stability and addresses a number of minor issues, including the following: • Adds the ability to access Help when editing a project on iPad • Resolves an issue where the incorrect frame was shown after splitting a clip
• When publishing a journal to iCloud, the URL of the journal can now be copied using a Copy Link button • Addresses an issue that could cause duplicate photos to appear in Photos view • Includes stability improvements
What's New in Version 1.2.1 • Fixes an issue that could lead to crashing or missing songs when sharing to iCloud • Resolves an error when logging into SoundCloud using a Facebook account • Addresses minor issues related to performance and stability
Cards and iTunes U also saw minor bug fix updates.
March 7, 2012
Apple demoed quite an impressive iPhoto app today during the new iPad unveiling, and the app is now officially live on the App Store for $4.99 [iTunes]. In case you did not know, the app is a universal download for both iPhone and iPad. You can grab iPhoto for iOS now (iTunes link). Apple also boasted updated versions of iMovie and GarageBand today that you can already get on the App Store here and here for $4.99 each (free update for current owners). The updated GarageBand app features a Note Editor, Smart Strings orchestra feature, and Jam Sessions for realtime playing and recording with up to three other iOS devices. You can read our full break down of the new iPhoto app here.
In addition Apple updated iBooks Author today to "take advantage of the Retina display on the new iPad" and did the same for the iTunes U app. The updates also include the usual stability and performance improvements.
October 12, 2011
Along with updates to just about every other one of their apps, Apple has also just updated iMovie, Remote, and Find My iPhone for iOS 5.
Find My iPhone has been updated to version 1.3 with the ability to find your Mac, and the option to request a notification via email when a device is located and online.
iMovie is updated to version 1.2.2 which brings support for iOS 5, and enhanced support for videos imported from external cams. Remote version 2.2 brings only iOS 5 support and the typical "stability and performance improvements". expand full story
July 11, 2011
If you downloaded GarageBand, iMovie or iPhoto individually from the Mac App Store, load the store by choosing Mac App Store from the Apple menu and hit the Updates tab because Apple has just released free updates to said apps, TUAW reports. Interestingly, people who downloaded and installed the iLife '11 suite using the restore discs or a physical box purchase cannot yet update their installation because the updated apps haven't yet to hit Software Update or Apple's download site. GarageBand 6.0.4, iMovie 9.0.4 and iPhoto 9.1.5 are all available for purchase as standalone products on the Mac App Store, costing fifteen bucks each. Go past the fold for iTunes release notes accompanying each download.
June 1, 2011
GarageBand for iPad, iMovie for iOS get audio output over AirPlay, Bluetooth, HDMI (plus audio copy and paste)
Apple has just updated GarageBand for iPad and iMovie for iPhone/iPad with bug fixes, AirPlay compatibility and other new features. Free updates are now available on the App Store. GarageBand for iPad version 1.0.1 is a 369MB download while iMovie for iOS (supports iPad 2, iPhone 4 and fourth-generation iPod touch) version 1.2.1 weighs in at 69.2MB, priced at five bucks each. Don't panic if those updates don't show in iTunes or the App Store app yet, propagating changess across all regional stores can take anywhere between a few minutes to a couple hours. Here's the official list of enhancements from iTunes release notes.
GarageBand for iPad version 1.0.1
• support for audio output over AirPlay, Bluetooth devices and HDMI with the Apple Digital AV Adapter • import of AIFF, WAV, CAF audio files and Apple Loops (16 bit, 44.1 kHz) • allows copy and paste of audio from supported apps into GarageBand • addresses occurrences of GarageBand freezing while playing Smart Instruments • improves overall stability and addresses a number of minor issues
iMovie for iOS version 1.2.1
• audio plays from your HDTV when using the Apple Digital AV Adapter • video plays full screen from Marquee to your HDTV when using the Apple Digital AV Adapter • resolves some cases of missing media in projects • provides more accurate clip grouping by date in Video browser • fixes an issue where a project's background music would not fade in or out • additional performance and reliability improvements
March 23, 2011
Yesterday, Apple updated a support document to reflect the problem some users reported with iMovie for iOS where the built-in media browser wouldn't list certain video clips stored in your camera roll. According to Apple, footage not directly captured on the device may not be compatible with iMovie. This includes non-Apple-friendly material imported from, say, your camcorder – either directly via the official camera connection kit or through desktop iTunes. Such video clips do not appear in the Video browser within iMovie, explains Apple.
iMovie for iOS is designed to work with video recorded with iPad 2, iPhone 4, and iPod touch (4th generation). To ensure optimal performance, the app filters out certain non-Apple video clips from the Video browser. These incompatible clips cannot be added to your iMovie project.
Here's a simple workaround that circumvents this design deficiency.
March 10, 2011
Even though the original iPad is able to run the latest version of iMovie for iOS, Apple has decided to not allow original iPad users to install iMovie directly through the App Store. This decision has to do with the original iPad's lack of cameras, slower processor, and less RAM.
Original iPad users who want to run iMovie on their original iPad shouldn't fear as iMovie can work on their iPads… without a jailbreak. expand full story
(update: GarageBand too. – both work on iPad 1 as well)
Here are the new features: expand full story
iPad 2 personalized setup, 1 AM PT online orders, GarageBand and iMovie available today for $4.99 ea
Apple pushed a press release this morning reminding us that iPad 2 will go on sale tomorrow (almost forgot!). For those of us ordering online on the East Coast, we now have to change our alarms from 3am to 4am to make the purchase. That's awesome Apple (Grrr).
Some other clarifications contained within:
- GarageBand and iMovie for iPad go on sale today for $4.99 each
- Online orders now begin at 1 a.m. PT (not 12:00 that Apple reps had previously been reporting)
- Every customer who buys an iPad 2 at an Apple retail store will be offered free Personal Setup service (That should keep lines moving briskly)
- Apple Store opens iPad 2 sales at 5PM (be prepared to wait while people get their iPad 2's set up)
- 5 p.m. will also be for AT&T, Best Buy, Target, Verizon Wireless, Walmart and select Apple Authorized Resellers
- iPad 2 will be available in Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Japan, Luxembourg, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland and the UK on March 25; and in many more countries around the world in the coming months. Further international availability and pricing will be announced at a later date.
Full press release below: expand full story
January 4, 2011
Apple has released software updates to their iMovie and Garageband applications, which are a part of the iLife '11 suite. The iMovie update brings scrolling performance improvements, and bug fixes for stabilization and Facebook uploading. The Garageband update brings bug fixes as well as the return of the ability to Quantize Note Timing for tracks with Groove Matching. Apple updated iPhoto with emailing enhanments recently and the updates are available in Software Update.


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Roses are red, violets are blue, we're bad at poems… go travel. With Valentine's Day upon us, we took a look at some of the most romantic sounding destinations in the world. Kissing, Bavaria, Germany Credit: loveheartseverywhere.wordpress.com Nothing ever gets done here, but the locals are very friendly. Bad Kissingen, Bavaria, Germany Credit: bavaria.by Now(…)
Top five heart-shaped islands in the world
Love is in the air, and it's in the water too apparently. When you think of a romantic destination, your mind probably wanders to Paris or Venice. Sure, a gondola ride is a dreamy way to spend an afternoon, but what could be more romantic than a heart-shaped island? Turns out mother nature was also(…)
7 reasons not to go to the UK
Thinking of heading to see what Great Britain has to offer? Before you do you should really consider these 7 reasons NOT to go. But if stunning scenery, fresh seaside air, vibrant buzz of cities mixed with enough attractions to make sure you aren't thinking of things to do are your thing then sure, go(…)
15 things to know before visiting Great Britain
So you're thinking of travelling to Great Britain, but you're not really sure where to begin. Not only are we here to tell you what makes Britain great, but we're also here to give you the low-down on a particular species of charming human: the Brit. 1. Brits are extremely proud of their local 'delicacies'(…)
To Bestival and Beyond! Explore the South Coast of England
Times are changing for British festivals. Two of Britain's top music events have announced that they are relocating; Glastonbury Festival will soon be moving from the iconic Worthy Farm to Longleat in Wiltshire, whilst Bestival is moving from Robin Hill Country Park on the Isle of Wight, to a new home on the Dorset coast.(…)
Will you turn your world upside down this World Cancer Day?
World Cancer Day (4 February) aims to save millions of preventable deaths each year by bringing cancer to the front of people's minds. STA Travel and Teen Cancer America want you to show your support by turning your world upside down and donating. 1. Share a photo of yourself doing a hand stand on Facebook(…)
Vegetarian dining in China: on a budget and in style
Today's blog comes from Tristan Davis, an STA Travel Student Ambassador at New York University (NYU) and an avid budget backpacker! He shares his tips on vegetarian dining on a budget in China… This past summer I had the opportunity to backpack through China for a month, and though I was amazed by the country's beauty, history(…)
10 reasons why it's time you went to South Africa
South Africa is diverse in more ways than one. The 'Rainbow Nation' is a land of opportunity when it comes to unique travel experiences, incredible views, beaches, unforgettable safaris and PENGUINS! We countdown the top 10 reasons why it's time you went to South Africa, you best go buy yourself a safari hat… The Views(…)
5 Reasons to drop everything and go to Vietnam!
Do you like to eat mouth-watering food? Drink exquisite coffee? Explore UNESCO world heritage sites? You do! Well welcome to Vietnam. With its floating markets, world's largest cave, delicious Pho dishes and incredible floating islands, it's a truly unique country full of hidden treasures. The backpacker buffs here at STA Travel have put together 5(…)
South Africa Cheat Sheet
From the wildlife of Shamwari, to the beautiful views of the Winelands, South Africa has scenery to please everyone. If you prefer city hopping and discovering culture and art, Johannesburg and Cape Town will fill your urban desires. Interested? Here's a few useful tips to help plan your adventure. When to visit May to September(…)


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Hotels with Kitchen in Hermagor-Pressegger See
Search for Kitchen hotels in Hermagor-Pressegger See
Get Secret Prices on select hotels
These prices aren't available to everyone.
- Nassfeld-Hermagor Skiing
- Mössern-Bahn "Warm up"
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- Sesselbahn-Sonnleitn
- Millennium Express Cable Car
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- Millennium Express II Cable Car
- Madritschen Cable Car
- Garnitzen II Ski Lift
- Babydoppellift
- Weitenboden Ski Lift
- Rodelbahn Rattendorf
- Troegl Ski Lift
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- Babylift II
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- Schlanitzer Babylift
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Don't forget to sign up for the Hotels.com Welcome Rewards Program, it's free! – the membership Program offers you 1 free night* after you book 10".


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Models > Busty Pornstar Gets Her Pussy Fucked And Licked
This chick's awesome na-na wraps around that incredibly hard prick nicely. She let that tube stroke her tight muff. It's obvious she likes it. This chick could ride dick all night. This chick loves to play with a dildo. If you love watching this chick get hardcore then check out the rest of her videos.


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Hogan Lovells has been included in the new Chambers 100 directory, which ranks the UK's top 100 lawyers based on feedback from more than 600 general counsel.
Four Hogan Lovells partners feature in the Chambers 100 list: Jon Holland was placed 49th in the list for his work in banking litigation; Matthew Cottis was listed in 71st place for his work in banking and finance; Nicholas Cheffings was placed 78th in the rankings for his work in real-estate litigation; and John Meltzer was ranked 88th and praised for his 'very thorough, patient and responsive, sensible and balanced approach'.
Others from Hogan Lovells to join the 200 people shortlisted for the rankings include partners Michael Stancombe and Suyong Kim and consultant John Pheasant.


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The Power (and Peril) of Praising Your Kids -- New York Magazine
Jared Sperli stashed this in education
Stashed in: Brain, Psychology!, Intelligence, Parents
When parents praise their children's intelligence, they believe they are providing the solution to this problem. According to a survey conducted by Columbia University, 85 percent of American parents think it's important to tell their kids that they're smart. In and around the New York area, according to my own (admittedly nonscientific) poll, the number is more like 100 percent. Everyone does it, habitually. The constant praise is meant to be an angel on the shoulder, ensuring that children do not sell their talents short.
But a growing body of research—and a new study from the trenches of the New York public-school system—strongly suggests it might be the other way around. Giving kids the label of "smart" does not prevent them from underperforming. It might actually be causing it.
For the past ten years, psychologist Carol Dweck and her team at Columbia (she's now at Stanford) studied the effect of praise on students in a dozen New York schools. Her seminal work—a series of experiments on 400 fifth-graders—paints the picture most clearly.
It didn't take long. The teachers—who hadn't known which students had been assigned to which workshop—could pick out the students who had been taught that intelligence can be developed. They improved their study habits and grades. In a single semester, Blackwell reversed the students' longtime trend of decreasing math grades.
The only difference between the control group and the test group were two lessons, a total of 50 minutes spent teaching not math but a single idea: that the brain is a muscle. Giving it a harder workout makes you smarter. That alone improved their math scores.
"These are very persuasive findings," says Columbia's Dr. Geraldine Downey, a specialist in children's sensitivity to rejection. "They show how you can take a specific theory and develop a curriculum that works." Downey's comment is typical of what other scholars in the field are saying. Dr. Mahzarin Banaji, a Harvard social psychologist who is an expert in stereotyping, told me, "Carol Dweck is a flat-out genius. I hope the work is taken seriously. It scares people when they see these results."
But it has to be close to what you already know, otherwise you'll be lost.
It's a progression. What you work on next needs to build on what you already know so that it's challenging but still achievable.


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Seawings has launched an amphibious seaplane shuttle service to connect Dubai's remote new Al Maktoum International Airport with the Park Hyatt Hotel in the city center. The new operation has been launched in partnership with flight support provider Jetex, which operates an FBO at the airport in the United Arab Emirates (UAE).
Al Maktoum is part of the Dubai World Central complex and is situated just over 35 miles from downtown Dubai. In off-peak traffic the drive takes 50 minutes; it can take far longer during peak times. According to Seawings, the door-to-door travel time from the Jetex FBO to the Park Hyatt Hotel will be 20 minutes. The operation's nine-seat Cessna 208 Caravan amphibian will take off from one of the runways at Al Maktoum and land on the Dubai Creek in front of the hotel.
Having secured initial approval from local authorities to operate from the creek, Seawings expects to add service to other waterfront locations. It has been offering sightseeing flights out of Dubai for some time, with a couple of dozen UAE destinations on its itinerary.
With a minimum of four passengers booked, a flight will cost $245 per seat. Customers can opt to take a more scenic 40-minute flight between the two points for $410 per person.
"Seawings is proud to collaborate with Jetex to provide a premier service," said Seawings CEO Stuart Wheeler. "Passengers will benefit from this one-of-a-kind service offering a comfortable travel experience combined with incredible views of the UAE. Seawings seaplanes can take off and land on water or runways and thus offer easy connectivity to various locations around Dubai and the UAE."
The company said that seaplanes offer a more complete experience than helicopters to passengers making the trip from Dubai's second airport to the city center. "We have seaplanes that can drop clients right at the doorstep of hotels and resorts, with a thrilling water takeoff and landing experience, unlike a helicopter," an official told AIN.
Established in 2007, Seawings is confident–despite earlier failures to set up such services in Dubai–that the flights will prove popular. "The market and people's views have changed. Since we have started, we have seen growth in passenger numbers year-on-year, and the trend is continuing."


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- A product and pricing engine to help lenders quickly match the right mortgage products to the needs of a borrower at the best prices
- A lead management platform to help lenders efficiently serve borrowers from multiple channels both online and offline
- Marketing tools to keep lenders' brand and rate quotes in front of borrowers throughout the mortgage shopping process
SEATTLE and LINCOLN, Neb., Nov. 5, 2012 /PRNewswire/ -- Zillow, Inc. (NASDAQ: Z), the leading real estate information marketplace, today announced it has entered into a definitive agreement to acquire Mortech, Inc. , a mortgage technology company that provides essential software tools to the mortgage industry, for approximately $12 million in cash and 150,000 shares of restricted stock. The transaction is subject to satisfaction of customary closing conditions and is expected to close in the fourth quarter of 2012. This acquisition accelerates the development of Zillow® Mortgage Marketplace, Zillow's lending marketplace where borrowers can connect instantly with reputable lenders to get personalized loan options and real-time mortgage rates. Now Zillow will deliver valuable marketing and productivity solutions to mortgage professionals to help them manage their business, and convert more borrower contacts to funded loans. Currently on Zillow Mortgage Marketplace, borrowers submit more than 1 million loan requests per month and receive on average 25 customized quotes, which they can compare alongside over 22,000 lender reviews. "We are following our proven strategy of building home-related marketplaces. In the case of Zillow Mortgage Marketplace, we first innovated on behalf of consumers by creating a transparent marketplace where the borrowers' needs come first, then we connected borrowers with lenders, and now we are investing in tools to help lenders be even more successful serving consumers," said Spencer Rascoff, Zillow's CEO. "Enhancing the capabilities of mortgage lenders ultimately leads to a more vibrant and transparent consumer experience." Founded in 1987, Mortech™ is based in Lincoln, Neb. and has 39 employees. Mortech's subscription-based software solutions include:


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The current synod is certainly not the first synod to consider the issue of communion for the divorced and remarried. In October 2005 the synod kicked around these issues, and in February 2007 Pope Benedict XVI published the post-synodal apostolic exhortation Sacramentum caritatis (the Sacrament of Charity). Note well the long passage of time between synod [Read More…]
Benedict and the Bishops on Communion for the Divorced
The Pope and I
I don't want to brag or anything, but I had mass with the pope. And not some big open air mass. Nope. This was a votive mass for Our Lady, Mother of the Church, in the glorious Basilica of Sts Peter and Paul in Philadelphia. I even got a plenary indulgence for participating. Take that, [Read More…]
Bishop O'Connell's Frustrations With Pope Francis
On the eve of the pope's visit to Philadelphia, Bishop David M. O'Connell of the Diocese of Trenton (my bishop) has given a long and candid interview about the challenges and joys of running a diocese in the age of Pope Francis. He also reveals that he will not be participating in any of the papal [Read More…]
The Fascinating Story of a Historic Cross at Papal Mass in DC
When the pope celebrates mass at the Basilica of the Immaculate Conception in Washington DC, there will be a fascinating piece of history there with him: an iron cross made for the first mass in the English colonies in 1634. The Georgetown University site has the story. The cross is believed to have been forged [Read More…]
LiveTweet of #LaudatoSi: Part One
Here you go, all Storified and everything. I plan to return to the task tomorrow morning. [View the story "Live-Tweeting @LaudatoSi Part I (ThomasLMcDonald)" on Storify] [Read more…]
#LaudatoSii: Hold Your Breath, Make a Wish, Count to Three
Tomorrow I will begin reading Laudato Sii, and I plan to tweet as I go. I'm already seeing the overheated freakouts online and it's a sorry spectacle. Everyone needs to cut the crap, m'kay? It seems like all we do lately is replay the right's reaction to Mater et Magistra and the left's reaction to Humanae Vitae. [Read More…]
What Happened at the Secret Synod Planning Session?
Edward Pentin has done some first rate reporting on the factions forming to push through radical change in the Church's unchangeable moral teaching. He has a new story in the National Catholic Register* about a secret meeting that took place at the Pontifical Gregorian University on Monday with "the aim of urging 'pastoral innovations' at the upcoming Synod of [Read More…]


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You missed it This great deal for Center Street Music Studio is over. But don't despair, we've got more great deals every day.
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back by popular demand:
Center Street Music Studio
Four 30-Minute Group Music Lessons
- Save 50%
- 1 purchased
Amp up your musical aptitude by plugging into this deal from Center Street Music Studio in Fayetteville:
• $30 ($60 value) for four group music lessons
• You'll meet with these talented pros for 30 minutes once a week
• Learn piano, violin, fiddle, or mandolin
Why We Love It
This professional instruction is good for students of all skill levels and ages -- current students range in age from 4 to 83. You can study a variety of genres, from classical to bluegrass, each of which develops skills in new and exciting ways.
PAID VALUE EXPIRES ON May 28, 2022
PROMOTIONAL VALUE EXPIRES ON March 25, 2014


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Hover over main image to zoom
The perfect diaper bag by Love,Cortnie for Little Love Baby that's suitable for mom or dad to carry. Forget swapping bags when one or the other steps out. Keep everything together in this printed unisex diaper bag!
Front compartments are great for baby and/or water bottles. Inside compartments can hold diapers, wipes, small toys, etc.
Also available on Etsy in addition to more baby products HERE!
- Available in solid gray w/gray leather trim or black w/black leather trim
- 3 front compartments, 5 inside compartments & an inside zip pocket
- Approx. 14" in length across bottom, 18" across the top, 14" in height, 6" wide
- Straps are approx. 12" long
- Arrow-printed inside lining can be wiped clean
- Light in weight and perfect for year around use.
- Nylon, polyester & leather
- Made in a smoke-free & animal-free environment
All items are handmade! Expect 3 days - 1 week before shipping.


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Sometimes computer problems are pretty simple, like when the dog steps on your power strip and turns it off. But no matter what the cause may be, technology glitches can take a heavy toll, as Southwest Airlines passengers were reminded Wednesday when unexplained problems hit the discount carrier's network.
Customers were unable to check in for flights and gate agents had to manually issue boarding passes while the system was offline, causing many flights to be delayed and, in many cases, canceled.
"As a result of the technical issues we canceled nearly 700 flights Wednesday and hundreds more were delayed. Employees worked around issues with primary systems and utilized back-up procedures to get as many customers and checked luggage to their intended destinations as we worked to fix the system," Southwest said in a statement late Wednesday.
Not all consumers were satisfied with the airline's efforts. "Rather than offer all delayed travelers the usual compensation, they are in fact offering flights that later get canceled as well (bogus flights). Computer glitch or not, what they are doing is wrong. You don't promise to rebook and than cancel that flight as well," Michael of Midvale, Utah, said in a ConsumerAffairs review.
"A simple one-hour flight turned into delays due to their systems failing, a 40-minute wait sitting on the flight line and another hour wait for bags," said Joshua of Cameron, N.C.
220 Thursday flights
The carrier said that most systems were back online Thursday morning, but at least 220 Thursday flights were canceled and delays continued to ripple through the system.
"We are focused on getting customers and their luggage safely to their travel destinations and apologize to our customers whose travel plans are impacted," Southwest said. It advised consumers who are booked to travel to check flight status information on Southwest.com and plan to arrive to the airport early, as long lines may occur. It said flexible rebooking accommodation will be available through Sunday.
"It's never too early to say thank you and to extend our apologies and we want to share those sentiments both with our hard-working employees and our loyal and understanding customers," Southwest concluded.


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Christmas Tree in a bottle
Verified Purchase
Christmas Tree in a bottle
This is just what I was looking for, I wanted something for the holidays the would give my home the smell of a fresh cut tree without the harming of a tree. This is it, thank you iHerb.com
Christmas Tree in a bottle
Posted by Reviewer3339092 on Nov 10, 2011 | Verified Purchase
This is just what I was looking for, I wanted something for the holidays the would give my home the smell of a fresh cut tree without the harming of a tree. This is it, thank you iHerb.com
Repels mice
Posted by Reviewer2092134 on Oct 09, 2010 | Verified Purchase
Mice got into my car to munch the wires until I got this balsam fir oil. I made a sachet with kitty litter drenched with the oil and tied it under the hood...smells like the Maine woods, too.
great aromatherapy in a sauna
Posted by FancyBeauty on Aug 30, 2012 | Verified Purchase
This oil is perfect for the sauna. It has a cool, fresh, resinous pine-scent. When used in mixes of aromatic oils relieves stress and chronic fatigue, calms, harmonizes and tones. Mixes well with the essential oils of the lemon, juniper berry, wintergreen. Прекрасное масло для сауны. Обладает холодным, свежим, смолисто-хвойным ароматом. При использовании в ароматических смесях снимает стресс, хроническую усталость, успокаивает, гармонизирует, тонизирует. Хорошо сочетается с маслом лимона, можжевельника и гаультерии.
Balsam fir
Posted by Reviewer2317534 on Jul 11, 2009 | Verified Purchase
very good to stop bleeding.
Good quality
Posted by Reviewer1333587 on Apr 04, 2013 | Verified Purchase
Use this with other oils in a diffuser to help with sinus problems. Very helpful.
Not quite the scent I hoped for!
Posted by Reviewer2091347 on Jul 28, 2012 | Verified Purchase
I love the smell of the northwoods and thought this would be a good one to try. At first, I thought I liked the scent, but, it seems to have an "off-note" of a mildewy smell. I have been putting drops on a cotton round. I didn't like it alone so I've been mixing it with spearmint (which I absolutely love love love). I tried it alone again today and put it in our bathroom. After several hours it gave off a pungent, mildewy smell again. Needless to say, I'm disappointed.
Lovely & Sweet Balsam Fir Oil...I love it!
Posted by 5521167486995774986 on Dec 29, 2014 | Verified Purchase
This smells just like a Christmas tree...with that little bit of sweet scent to the pine. I have been using it in my nebulizer with pine needle, lemon, bergamot, and peppermint. Very high quality and great value. I will continue to purchase this as a staple!
Smells delicious
Posted by Xhalax on Nov 19, 2013 | Verified Purchase
This oil smells lovely, and I will use it to make some Christmas tree scent this year!
Wonderful for the holidays
Posted by Reviewer2085948 on Jan 08, 2012 | Verified Purchase
This oil brings home the wonderful smell of Christmas trees. Perfect at Christmas. It also has other benefits.
Posted by Reviewer2400301 on Jan 05, 2009 | Verified Purchase
almost perfect balsam
1-10 of 18 total
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Ultimate Chicken Horse
Game Series = Ultimate Chicken Horse
Official Site = http://store.steampowered.com/app/386940/
Ultimate Chicken Horse
Ultimate Chicken Horse is a party platformer game where you build the level as you play, placing traps and hazards to screw your friends over, but trying not to screw yourself.
System Requirements
- OS: Windows 98/ME/2000/XP/7
- CPU: Pentium 4 @ 1.0 GHz Processor
- Hard Drive: 2 GB Free
- Video Memory: 64 MB
- Sound Card: DirectX Compatible
- DirectX: 9.0
- Keyboard and Mouse
Click the Link Below to Download Your Game!"Click the link below to Download your Game"
Game Size: 1.13 GBPassword: www.apunkagames.com or apunkagames
Ultimate Chicken Horse


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Steve Buscemi, Anne Heche and Sigourney Weaver Join Rampart
"Steve Buscemi, Anne Heche, Cynthia Nixon, Sigourney Weaver and Robin Wright have joined director Oren Moverman's cop crime-thriller Rampart, which stars Woody Harrelson, Ice Cube and Ben Foster.
According to Variety, Rampart was written by Oren Moverman and James Ellroy.
The film is set against the backdrop of the scandal within the L.A.P.D. Rampart Division in the late 1990s, and is the fictional account of a veteran police officer (Woody Harrelson) caught up in the scandal, and his search for redemption.
Rampart will begin production Oct. 25 in Los Angeles.
Don't Miss A Story


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Hitachi D13VF ½ Drill, 9.0 Amp, EVS Reversible (Reconditioned Grade A)
- Description
DescriptionThe D13VF 1/2" 0-850 RPM Drill drills into various types of metal, wood, plastic resin, stainless steel and similar materials. This model also tightens and loosens small screws, wood screws, nuts and bolts.
- Features
- 9 Amp motor, forcible power combines high speed with optimal torque
- Max torque of 416.6in-lbs, ideal for high torque applications
- Form fit palm grip, designed to comfortably fit in hand for improved control with minimal vibration
- Contractor-grade cast aluminum gear housing, adds durability and efficiently dissipates heat
- Double gear reduction, provides higher torque while reducing gear strain
- Electronic variable speed control trigger, designed for easy two-finger operation with a lock-on feature for continuous operation
- Oversized reversible switch and trigger lock, conveniently located for continuous uninterrupted operation
- Removable side handle, increases operability and control
- Belt hook, convenient for between use and preventing the tool from unexpected falls
- Optional angle attachment, ideal for hard to reach applications
- Specifications
- Tool Weight - 4.6lbs
- Chuck - 1/2" Keyed
- Keyless Chuck - No
- No-load Speed - 0-850rpm
- Max Torque - 416.6in-lbs
- Amps - 9
- Capacity: Wood - 2-1/8"
- Capacity: Steel - 1/2"
- Capacity: Hole Saw - 4"
- Includes
- Side Handle
- Injection molded plastic carrying case
- Chuck key
- Manuals
ManualsParts Manual (PDF) Size: (494.45 KB)Parts Manual (PDF)
- Videos
Product Video
- Reviews
Customer Reviews 78 item(s)
- hitachi tools are the best
great drill, quiet and powerful.
Quality Price Value
- doesn't even grunt
haven't seen this drill even grunt in wood. doubtful if ill use it for steel but I'm sure it will handle a decent size bit for that too
Price Value Quality
- High quality, great deal.
Hitachi makes a very good line of power tools and this is a nice high powered drill, easy to handle, and with a long cord for ease of use. The case and drill both look brand new, and the price made it a great deal.
Price Value Quality
- good quality; fast delievery!; appears as advertised
This is replacing a 35 year old drill; so far it has shown to have plenty of power although I haven't drilled a 3/4 hole in 1/4 steel yet; it handles well and it is comfortable to use; although a reconditioned I am pleased with the quality of the tool; doesn't look all that used or abused
Quality Price Value
- Big Sky Tool Reviews
i/we use these drills on a daily basis. they have held up well. yes we have to put brushes in but other than that, they work great.
Quality Value Price


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Ash's Date
229,337pages onAdd New Page
this wiki
this wiki
Ash's Date is SuperMalechi's Friturtoons episode.
- Audrey tells Ash that the prom is tonight, so they went to the prom at Bayside Highschool for a dance. Meanwhile, Gary wants a perfect date.
- US Narrator: Duane Lawrence.
- UK Narrator: Michael Angelis.
- First time Ash Ketchum has a crush on Audrey Jones.
- Audrey
- Ash
- Gary
- Iggy
- Lani
- Nicolette
- Mario (cameo)
- Brock (cameo)
- Tracey (cameo)
- Cilan (cameo)
- Joe (cameo)
- Sam (cameo)
Featured music
- Narrator: Summer is a busy time on Puzzle League Village. Children were having fun in the sun, making ice cream and so much more. One day, Audrey Jones was putting on her opaque tan tights.
- Audrey: (sighs) My adorable tights will keep me warm. Ashy boy, come here!
- Ash: Yes, Audrey?
- Audrey: The prom is tonight at Bayside Highschool. I've just put on my beautiful opaque tan tights. Now, i'm going to put my beautiful red dress and my gorgeous black sandals.
- Ash: Thanks, Audrey. Meet me at 7:00pm.
- Narrator: Ash left. Audrey felt pleased.
- Audrey: Hee Hee Hee Hee Hee Hee!
- Narrator: That night, the prom had just started. Gary was waiting for Ash and Audrey.
- Gary: Come on, why can't Ash and Audrey come and see me?
- Iggy: I remember when Alex Davis and Amy Flowers fall in love with each other.
- Lani: Ash is so cute! Audrey's my best friend.
- Nicolette: Here they come now.
- Narrator: Ash and Audrey arrived just in time.
- Ash: Can we dance, Audrey?
- Audrey: Sure, Ashy boy.
- Narrator: And everyone danced.
- Gary: Ash, you're dancing with Audrey right? Well then she's mine!
- Ash: No, Gary. Audrey's my girlfriend.
- Gary: Mine!
- Ash: Mine!
- Gary: Mine!
- Ash: Mine!
- Lani: (squealing) Stop it!
- Gary and Ash: Huh?
- Narrator: Lani began to cry.
- Lani: (crying loudly like a siren)
- Audrey: Look what you done to Lani!
- Ash: Oops!
- Gary: Sorry we were fighting, Lani.
- Lani: (tearfully) You're a meanie, Gary! You too, Ash!
- Ash: It wasn't our fault.
- Lani: (cries helplessly)
- Nicolette: Don't cry, Lani. It's okay to do that.
- Ash: I think we're in trouble, Gary.
- Gary: It's all our fault, Audrey.
- Audrey: Aww! Lani's a crybaby.
- Lani: (stops crying) Mommy?
- Audrey: I'm your mommy, Lani.
- Ash: Whew!
- Gary: Let's continue the prom.
- Narrator: Everyone danced and danced.
- Audrey: Thank you, Ashy boy. You're the greatest boyfriend ever. (kisses him on his cheek)
- Ash: (flirted) Audrey loves me.
- Gary: Thank goodness you're in love Ash.
- Narrator: Everyone laughed. Even for Ash and Audrey.
- (scene ends)


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Home > Indexes > Cisco Systems > CAB-C15-AC=
Manufacturer Part# CAB-C15-AC=
UPC Code: 882658293917
Provantage Code: CSC972C
Condition: Factory New
Note: We Are Unable to Sell this Product to Dealers.Provantage is authorized to only sell this product to a final purchaser or licensee that has acquired it for their own use and not for resale, remarketing or distribution.
Cables > Computer and Printer Cables > AC Power Cables
AC Power Cord North America-C15 NEMA-5-15P 2.5M
Cisco Systems 3945E Sec Bundle with Sec License-Pack
Mfg Part# CISCO3945E-SEC/K9
Cisco Systems 3925 Sre Bundle Sre 700-PVDM3-64 Uc Sec License Pak
Mfg Part# C3925-VSEC-SRE/K9
Cisco Systems 3925E Sec Bundle with Sec License-Pack
Mfg Part# CISCO3925E-SEC/K9
Cisco Systems 3925E SPE200 4GE 3EHWIC-3DSP 2SM 256MBCF 1GB IPB
Mfg Part# CISCO3925E/K9
Cisco Systems 3925E Voice Sec Bundle-PVDM3-64 Uc License
Mfg Part# C3925E-VSEC/K9
Shop with confidence! Provantage is an authorized Cisco Systems dealer.


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If you could list off the things that have brought the most satisfaction and happiness into your life, what would your list include? Your great accomplishments? Your relationships with friends, family or your current partner? Your hobby which helps you feel competent, skilled, and full of worth?
Well, your list may very well include all of these things, but, unfortunately for us humans, we are predisposed to do something that puts everything on our lists in jeopardy.
Many people can't put their finger on exactly what it is, because it is a non-conscious process. Worse yet, it's a non-conscious process that most would be reluctant to come to terms with...
It's like you're applying pressure to a wound -- it confronts something that will make you squirm. You'd almost rather not feel the pain at all, but you know it's for the best, for your own good.
And that's just how you must look at what I am about to say to you. It's not an insult; it's an instruction to put pressure on a wound that we all carry, and research shows that applying the necessary pressure will help you remarkably in the end.
You must confront the fact that you are lazy.
You'd prefer not to do anything once you get home from work except sit on your ass and settle into the life laid out before you because you've gotten comfortable.
You're done struggling for scraps, you finally feel established in life -- and it feels good, doesn't it? You can lounge and enjoy your house or apartment because you earned it, you deserve to relax and it comes so naturally to you. But is that really why you have worked so hard: to gain the ability to be completely idle?
"Wow, this article sucks… just some guilt trip motivational jump-start."
Okay fine, if that was too harsh for you let me rephrase: you're not lazy, we're all lazy. In fact, you and I were hardwired to conserve energy in this way because that's what was needed thousands and thousands of years ago.
Do you think your ancestors long ago played recreational sports? When they were done running miles on end to hunt down food, do you suppose they started a kickball league?
No reward or expectation = no movement
Ok, so it's not all your fault, and maybe you can find some comfort in that. But you really shouldn't... You should realize that there are people that do keep up with their set goals and there are people that do make an active effort to maintain their relationships or hobbies. How do they do all these things if we are essentially hardwired for complacency?
Well, it's true that you can't destroy your instinct for idleness -- it will always be looming over you -- but you can overcome it so simply that you have no excuse to let it cripple you, as it often does.
Studies have shown that when we are induced to start a task with just a small piece of candy, we start the task promptly and are far happier than those who sat by idly, doing nothing.
You see, we don't need this "instinct for idleness" anymore. We have excess energy resources available at our fingertips (literally, you can now text Dominoes and have a pizza at your door in 30 minutes).
Currently, this instinct only serves to hold us back. We are no longer so short-sighted, focused only on survival. Instead we focus on long-term goals and our ability to thrive. This instinct for idleness is at odds with our true desires. We are paralyzed into doing nothing or performing the bare minimum, when the reality is that pushing for more and keeping ourselves busy is crucial to having a happier life.
Take charge, damn it! Your idleness is something you must be proactive about, or it will creep into your life and you will settle for less because that's what you're born to do. You will tell yourself it's what you wanted all along, even though we now know you would be happier with a meaningful objective.
Make obligations and become accountable to others. This is the easiest way to ensure you stick to those fulfilling activities that truly make your time valuable. Whether it be an obligation to meet up with friends for a weekly get-together or arrive to the gym on time to workout with a partner or trainer, making others rely on you is a powerful way to avoid idleness. Bonus points: having a social group that looks after you or cares about your attendance is a huge factor in increasing your overall life satisfaction.
Become accountable to yourself. This one is a little trickier, but really owning it can make you an unstoppable force. You can't always rely on other people to help you or even care about your endeavor. If you build something into your routine, and it becomes a part of you, you will find that your inaction will feel like self-betrayal; talk about a miracle motivator! This is something that is definitely worthwhile to develop because mastery of yourself in this way will make no victory seem too far fetched.
You may not like being called lazy. I know I don't. So do something about it! Don't let your outdated brain imprison you and blind you to what true happiness looks like. You can overcome it, and you can do so starting today -- you really can. Take the accountability steps above, and better yet, leave a comment below TELLING us what you're GOING to do within the week.
It doesn't have to be inspirational, just something you've been wanting to do but haven't "gotten around to." And say it with some damn conviction, because if you can't make me believe you'll stick to it, then I hardly believe you can stick to it on your own terms.
Go out and get your victory! It only takes one step to get started.


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Prologue (Part 3)
"You're all being rash about this." A sharp voice cut through the air, revulsion towards the very idea of what was about to take place so clear in the tone. Pyrros glared at Ariel, whose idea this had been. His hands clenched by his side, unwilling to do his part of the job as the fire in his eyes grew intense, hating every second of this.
"If anyone's closest to ever having been 'rash' in the first place, it would be you brother," she answered in her calm tone, giving him a mocking smile. His jaw clenched and he looked away. As much as Pyrros wanted to deny it, he knew that they were in this predicament because of that one reckless mistake.
Running his hands through his midnight-black hair, he groaned internally but knew better than to argue with someone as stubborn as the Goddess of the Sky. Sighing, he gave her a firm nod.
"Then I guess this is it," Ariel whispered softly. She felt her hands tremble in Landon's and he smiled at her, attempting an encouraging one but it didn't give her any strength. She never liked change, but this one would be the only way. They would have to die, to live on.
"Are you sure we have no other way to do this?" Pyrros asked again. The flame in his eyes flickered, almost completely diminished at the idea of what was going to happen. But the answer he got was the same as the last time he'd asked.
Three eyes focused on Marina who knew what she had to do. Grimly, she closed her eyes, concentrating her mind on the dormant powers of the spirit that lay inside of her. A warmth flooded into her and she expanded on it using her mind, and as she did, a blue aura emanated from her, growing larger and larger into a disc-like figure till it surrounded them all.
I will you.
A ripple shattered through the surface of the circular ball that held them together, finally complete. Marina opened her eyes, that were now a startling electric blue.
"It's ready."
Marina turned to meet Pyrros who sighed, knowing it was his turn to finish this off. He didn't want to but he would be the final element to spark it off. A sad smile made its way to his face as his lips forced into an upwards curve. "I hope we're together in the next life, as we have been in this one." Her baby blue orbs sparkled for the shortest second as she smiled back at her lover. "So do I."
Landon gave a soft kiss to Ariel on the cheek who forced a smile to her face. "The Goddess of the Sky should be my moon from this life, to the next." She nodded.
"I will be."
They all smiled at each other, the last time in their current lives that they would be together. And then, the moment came. Landon led the others so that they stood straight on the line, between the Realm of the Gods and that of the Spiritual World. Holding hands, they stood still and closed their eyes, each reaching into their inner selves to find the ultimate key to their powers. Once grasped, they held onto it tight as Pyrros started the spark.
It was a wisp, barely just a tear of fire on the surface of the sea bed. His eyes flashed open, dancing in dangerous flames as his hands interlaced tightly with the others. Then they each felt it, a burning. It seeped through their veins, activating their nerve points as power surged through them, overcoming the pain.
An inferno broke out within the blue field that suppressed the release that grew stronger and stronger. Each of them shook as Fire met Water, and Earth met Sky, truly merging as one.
A schism broke through the line of the Worlds, tearing apart as they let go completely, in one, quick second. The field withstood the blistering heat of the inferno as it gnawed away at the electric seams but to no avail.
Fire within the Ocean, Earth beneath the Sky; beautiful but deadly.


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Home >> 2 Pcs Protective Privacy LCD Screen Guard Film for iPhone 4 4G
|Product Name
|Privacy Screen Guard
|for iPhone 4 4G
|Net Weight
|Package Content
2 x PrivacyScreen Guard for iPhone 4 4G
- Hide your screen from prying eyes with this privacy screen protector.
- Not only will you be stopping nosey people from seeing what you're doing on your phone, but you'll also be protecting your expensive screen at the same time!
- This is a non-OEM product.
- Accessary only, the phone is not included here.
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text:
This product is no longer available.
Cupcake Wine Birthday Tote
With a name like cupcake, this wine is destined for a party! With one bottle or red and another bottle of white, they can choose their favorite to start the celebration and continue with the other. Party horns make it fun!


text:
You missed it This great deal for Pure Spa and Wellness is over. But don't despair, we've got more great deals every day.
Sometimes it can feel like life is going at a million miles an hour. There's no magic rewind button but with today's deal from Pure Spa and Wellness you can at least press 'pause' and take some much needed time out to relax.
• For £29 (a £60 value) receive a choice of 75-minute 'DermaNew' oxygen facial including 'A Breath of Fresh Air', 'Stop Being So Sensitive' or 'On a Clear Day'.
• A dual combination of microdermabrasion and oxygen, DermaNew is a new treatment which has proven popular in Beverely Hills -- where the treatment has been imported from.
• The treatment begins with a skin cleanse and exfoliation, followed by a relaxing massage of the shoulders, face, hands, arms and scalp -- finished with a refreshing facial mask.
• Or pay £39 (an £85 value) receive a choice of facial with a deluxe manicure; or it's £49 (a £110 value) to add a 30-minute back massage to the package.
• The friendly and professional therapists will help make sure your treatment is suitable and that you feel comfortable and at ease.
• Find her tranquil practice on Childwall Abbey Road.
Fast forward to the 'Buy Now' button.
Want more? Check out Pure Spa and Wellness on Facebook and Twitter.
Enjoy By 4 June, 2014
buy before time's up. or else kitteh gets it.
*'lower price' discount may not apply to multiple purchases, select your options to see your final price. By purchasing, you agree to the deal fine print and the LivingSocial terms and conditions.
By clicking 'Buy Now!', I agree to the Terms and Conditions and the Privacy Policy.
Buy this Deal with confidence, because it's covered by LivingSocial's Deal Credit Guarantee up to the Voucher Expiration Date


text:
School board supports race equity initiatives
An effort to close education gaps between white students and those of color is now officially supported by Brainerd schools.
A trio leading the effort appeared before the Brainerd School Board during a special meeting Wednesday, asking for support.
Officials started meeting two years ago to begin looking at data, have conversations about race and equity, and start talks on changing demographics.
"This is ground-breaking work. Very few organizations are crafting a project such as this," said Mary Sam, from Central Lakes College. "This is courageous work. It is making a difference and has the potential impact to change lives and the community in very big ways."
She continued, "Folks are standing up, paying attention, and raising questions about how students of color are doing."
Officials have found some initial data about the education gaps between white students and those of color in area schools.
At Brainerd High School, according to the team's research, students of color make up about 5 percent of the population.
Student demographics:
American Indian: 1.8 percent
Asian: 0.8 percent
Black: 1.9 percent
Hispanic: 0.9 percent
White: 94.6 percent
It's the students of color who make up 9.2 percent of referrals in attendance and discipline, the group says.
The achievement gap at BHS, according to the group:
White/Hispanic gap: 7.7 percent in reading; 15.8 percent in math
White/black gap: 15.4 percent in reading; 20.9 percent in math
White/American Indian gap: 12.4 percent in reading; 16.7 percent in math
(Average over six years)
"The gap has been closing slightly (at BHS)," said Tammy Quist, a Minnesota Minority Education Partnership Race Equity fellow. "Students of color are improving at a slow rate, but they are improving."
Another positive for the district, Quist said, is that all students are at the same level or higher than the state average.
Still, there is work to be done, said Jennifer Godinez, associate director of the Minnesota Minority Education Partnership.
Quist added, "Even though Brainerd is doing very well, there is a sizable gap that exists for students of color. We are doing better, but there is more work to be done."
The resolution that the board supported says the board will support the initiative, allow superintendent Steve Razidlo to participate when necessary, agree to engage and encourage stakeholders and community members to participate, and will support collaborative grant seeking in future funding.
It passed with unanimous approval. Absent were Ruth Nelson and Bob Nystrom.
In other school board news:
• The board approved the sale of $2.87 million in general obligation alternative facilities bonds to Piper Jaffray of Minneapolis at the rate of 1.938 percent.
JESSICA LARSEN may be reached at email@example.com or 855-5859. Follow me on Twitter at www.twitter.com/brainerdnews.


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If you've ever peeled yourself out of bed in the morning, looked aghast at the streaming, sneezing aberration staring back at you from the mirror ... and headed into work anyway, at least take comfort in the fact that you're not alone. A new study confirms what anyone who has ever spent time amidst the coughs and sniffles of an office in December already knows: half of all office workers regularly turn up for work in the winter months with fuzzy brains, fizzy noses, and a bacterial payload that could lay most of their colleagues low until spring.
It's easy to see why. Traditionally, the flu-ridden worker who struggled into the office and coped manfully with the daily workload without complaint could look forward to an appreciative nod from the boss, a stiff brandy at lunchtime, and a prize for being the best team-player at the Christmas party. Such stoicism was regarded as a sign of promotion-winning commitment to duty - and in many cases it still is. Occupational psychologist Dai Williams says that this "presenteeism" derives from that pesky Protestant work ethic.
"Presenteeism stems from the tradition of loyalty to the firm," he says. "Everyone had an employment contract stating hours to be worked for pounds earned. On top of that was an unwritten psychological contract, which promised job security in return for loyalty. It meant that the firm comes first, and you'd make yourself available for work come hell or high water. It's not that long ago that, if you didn't turn up for work, you'd lose your job." Employers are not quite so Dickensian these days, but many employees still "present" for work during illness because of a fear of the consequences of staying at home. The same study also found that ailing staff continue to turn up because they think that if they phone in sick, their bosses won't believe them.
Meanwhile, research by Lancaster University concluded that policies to root out absenteeism were discouraging genuinely sick workers from staying at home. A clampdown on unwarranted "sickies" means that employers lack trust in their staff, and staff know that every absence will be met with suspicion. "I don't like taking sickies even when I need them," says Kim, an account handler for a design company. "The resentment and suspicion in my boss's voice when I ring in with the bad news makes it a last resort. Frankly, I'd rather go in and suffer."
Presenteeism doesn't just stem from fear, however. It's also symptomatic of modern working culture. "Presenteeism has been related to job insecurity and especially the long-hours culture where time at work is equated with commitment," says Suzan Lewis, professor of organisational and work-life psychology at Manchester Metropolitan University. "But it's not good for our health, or for the health of others at work." Experts fear that this "must-work" culture, combined with minimal staffing levels and a shortage of flu vaccine, could lead to presenteeism on a grand scale this winter. The problem with that, as Dai Williams points out, "is that turning up with a streaming cold is not in anyway conducive to good work".
A recent study found that presenteeism costs American companies up to $180bn a year in lost productivity, far more than the costs of absenteeism. "With a serious flu season looming, the idea of the hero worker who manages to punch in for a full day's work, despite illness, needs to be discouraged," says Lori Rosen of American workplace analysts CCH. One contagious worker can easily infect a host of his colleagues. Dulled by illness, his work is unlikely to be of a high standard anyway. By trying to control the abuse of sick time, employers both here and the States have created a new and potentially more destructive monster.
It's not good for business, and it's not good for sick employees either, and not just because the average office can feel like the seventh circle of hell when you've trailed in with a severe cold. In a "damned if you do, damned if you don't" scenario, there is some evidence that a backlash against presenteeism has already started, even while the furore over absenteeism continues. "Turning up for work when ill can make you a hazard to your own performance and a hazard to colleagues," says Dai Williams. "A good supervisor might think that staff should have an idea of their own fitness for work and their potential risk to colleagues. And if you're below par, you can end up making very expensive mistakes. That won't be looked on favourably."
Nor are the problems of presenteeism restricted to the short- term illnesses of winter. The stress and emotional exhaustion caused by major life change - from bereavement to separation to new fatherhood - can go unnoticed until a major breakdown. Studies have also shown that for a host of "invisible" ailments, like headaches or acid reflux, workers would be better off at home. In America, research found that allergies and sinus trouble alone cost one major corporation $1.8m annually in lost productivity, even though workers were officially present.
In the end, it comes down to individual commonsense. If you really need time off, take it, whatever the boss might think. As you turn off the alarm clock and wrap yourself in the duvet, you can be happy in the knowledge that, really, it's the only responsible thing to do.


text:
As night fell around my mother's old tavern I lit all the lanterns that hung on the ceiling and sat on the tables. The band of travelers walked into the tavern in pairs
First Zakhon and Lyra, looking doe-eyed at each other, and holding hands, they sat at a corner table, speaking in hushed tones.
Next was Destran with Yara following soon after. Destran was smiling, but flushed. Yara looked thoughtful, and her eyes were soft. I smiled at each pair as they came in.
"Would you guys like some dinner?" I asked. Zakhon and Lyra didn't appear to hear me, Destran nodded emphatically, Yara nodded as well. I went to the back to serve up the stew and fresh bread that my mother and I had put together for the tavern's tennants. I slid two bowls and half a loaf of bread in front of each pair. They nodded their thanks, and I went to lean against the bar.
The night was beautifully quiet and peaceful. I hoped nothing would ruin it.
Of course it couldn't last. Jack barged into the room, shouting.
"I will join your group Prince, you can't get down this mountain with out my help!" He slammed his hands down on Destran's table, Yara lifted her bowl off of the surface so that it wouldn't shake. Destran glared up at the imposing figure.
"I would never let you join my group." He said coolly. I saw Jack's shoulders bunch up, if he had been a dog his hackles would have been up. I took a step forward, anticipating a fight. Jack said nothing though. He slammed his hands down again and walked across the room to the bar, nearly running into me in the process. I hurried to get behind the bar in case he wanted something. He was still silent. I suppressed a shiver. I hadn't known this guy for very long, but the silence seemed uncharacteristic and frightening.
"can I get you a drink?" I asked shakily. His head jerked up and he glared at me. I flinched back, grabbing a tankard, and filling it with ale, I put it in front of him and hid in the back room.


text:
Node.js ES6 framework for reactive, data-driven apps and APIs
npm i -g waigo
Build data-driven APIs, apps and reactive websites.
Uses Koa and RethinkDB.
- Koa and RethinkDBWaigo builds on Koa, the ES6-based spiritual successor to Express. Elegantly compose complex middleware patterns. Use RethinkDB to build fully end-to-end reactive applications.
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- Form handlingDeclaratively build forms with automatic sanitization and validation. Initialize and submit forms from any part of your application. Output a form's configuration as JSON. CSRF-prevention comes built-in.
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- Scheduled TasksBuilt-in Cron system for task scheduling. Tasks run within the full application context, giving you access to all your data and other parts of the app. Programmatically start, stop and run tasks.
- Quick SetupCreate and run a skeleton app in seconds using the command-line client. Generate gulp scripts to enable live-reload in the browser during development. Install the Admin interface for easy data management.
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$ npm init $ waigo init $ waigo init-gulp $ gulp
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text:
This full website whois and analysis report on Lflm.co.uk was ran on May, 27, 2017.
1 & 1 Internet SE [Tag = 1AND1]
Abdullah Sinani
UK Individual
2, Grovelands Road
Lo N13 4RH
We include detailed information like the server IP Address which is 18.104.22.168. Lflm.co.uk resides at UK2.NET in United Kingdom. The domain Lflm.co.uk was first registered on 07/14/2010 which was 6 years and 10 months ago and is set to expire on July, 07, 2018.
The Lflm.co.uk Whois shows that the registrar is 1 & 1 Internet SE [Tag = 1AND1] - but a full analysis for Lflm is below to assist you in your research including Whois, Alexa traffic rank, and server details.
The official title of Lflm.co.uk is: flash intro
It is 7:38 PM CEST when you ran this report for Lflm.co.uk here on our website, IP-Adress.com. When it comes to Lflm.co.uk, you can trust that if we have Whois information available for it, we will display it further below to assist in your research of Lflm.co.uk. Feel free to run another Lflm related search, or start a new query.
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...the CSA are completely useless?(42 Posts)
Hi All,
I am hoping some of you will tell me some success stories with the CSA, however I have had pretty much 0. In 3 and a half years I had one payment of £40 when I first claimed and since have had nothing. I've told them where dd's father lives, works, provided phone numbers. I've called the CSA (0845 number!) every month, and everytime I call it's either a different excuse or "you should receive something next month." How is he buying a house, new cars, brand new TVs etc, and avoiding the CSA for over 3 years! I asked today if they would consider taking it to court as now he has over £5,000 of debt towards me (calculating at their basic rate as he and his employer have refused to provide payslips) and they told me they would not consider taking it to court as he has an employer! Is there any other way to get what I'm owed? I feel like nothing is happening, I'm being fobbed off all the time, if there's such a massive back log why don't they hire more workers?
It seems like if a father wants to pay, he will pay, and surely you don't need the CSA for that. If a father doesn't want to pay, he can avoid the CSA forever. AIBU to think the CSA are completely useless?
That's the trouble, I don't know if its a real registered company. He has a facebook page, and business cards bit not sure that means much!
If someone has a proper company then it will be registered at co meanies house, and usually shows up on a simple google search. Even better they have to register accounts etc.
However if they just work for themselves it can be harder to track down. However I don't see why CSA has a so much harder job of this than HMRC.
Thanks Thingummy they've told me if I can prove he has a.company they can look into it. I will look at that link too.
Yanbu. CSA are shite. I've just been given a nil award as ex has no income. Or so he told them. When I told them that couldn't be possible as he must be funding his lifestyle somehow I was told that's not the CSAs concern
Ineed you need to read this CSA variations and Appeals
You can ask them to look more closely basically.
Sorry, agree with the pps whos said there need to be stricter rules about maintenance. The whole system is crap.
It sends a very clear message about the unacceptability of non-payment, however - one which would hopefully become seeped into the national consciousness in the same way as drunk driving has become once it was made a criminal offence.
Yanbu. CSA are shite. I've just been given a nil award as ex has no income. Or so he told them. When I told them that couldn't be possible as he must be funding his lifestyle somehow I was told that's not the CSAs concern.
I agree with the ppps
Think about it this way needaholiday - if making sure one's own child is clothed and fed is not motivation enough for a man to pay for his child, chances are nothing short of the extremely punitive will make him face up to his responsibilities.
The child will only end up with nothing if the father still continues to refuse to pay. As he was already paying nothing, the child is not 'losing out' anyway.
The CSA are appalling. My dh pays maintenance happily and regularly like he should but they are a nightmare to deal with.
I escalated an issue we had to the complaints team despite being told we'd go to the bottom of the queue etc if we did. we got decent service and the issue was resolved within 12 weeks and we were given courtesy phone calls and a ddi for the case handler.
I would definitely recommend you do that.
But it sounds ridiculous. Surely there are other ways of making them pay without the end result ultimately meaning the child ends up with nothing indefinitely. Solves nothing.
needaholiday - because the NRP WILL pay if they risk losing a well paid livliehood!
yy meddie
meddie You are so right! If you owe council tax or income tax they find you and make you pay up ASAP, so why aren't they applying the same tactics to absent parents who refuse to pay maintenance?
Having someone's driving licence cancelled if they are a bus driver is going to be counterproductive because then their children really will receive zero because their parent will then be out of a job. Same goes with a licence to practice medicine; if they are a doctor then they will again be out of a job and again their children really will receive zero.
Never understood why this is actually a good idea.
Complain, complain, complain and then complain some more.Go to your MP also, and I badgered the CSA on a weekly basis, and asked them for explanations of why the DEO was taking so long, forgot to send it ......
I was one of those annoying little mosquitos that never went away, and eventually I got the 14 grand I was owed.
You need to be VERY persisant.I was never rude or obnoxious but was very assertive.
Log EVERY call, and who you spoke to, and what time you spoke to them and what they said, and follow it up...eg on the 28th I spoke to x and they said etc etc
Get the name of your case officer (which seemed to change weekly in my case-involved another complaint )
In my experience, it is those that shout the loudest that get results.
Not saying to do this, it does depend on the person and the business.
A relative of mine was paid 1 day later every month, she realised what her ex was doing and that he was trying to miss a month.
When it came to the month she didn't get a payment she sent a fax to his office saying he was 30 days late with the maintenance of $X for his 2 children.
This was in Australia and he was paying the legal minimum although he had a good job. So everyone in the office knew he was paying the minimum and it was late.
He phoned her and gave her a telling off for embarrassing him in front of his work colleagues.
He never missed another payment.
I think the best scheme I heard of was in America, I don't know if it was ever implemented, but the plan was that if anyone stopped paying the equivalent of the CSA then all licences they held would be suspended.
So Driving licence, licence to practise medicine, licence for a gun etc.
I suppose here it would include TV licence. Obviously you need to give people a bit of time, 2 weeks perhaps. But if the CSA could cancel driving licences until a payment is made I bet a lot more payments would be made.
There is no impetus on the CSA to do a good job because maintenance does not save the gov't any money - it doesn't actually matter to them if children and rp's receive maintenance or not. I'd assume that at some stage the CSA will be done away with all together and it will go back to court ordered or voluntary agreements which will be even more difficult to enforce.
This is a real bugbear of mine, the ability of men to just leave and contribute nothing, and get away with it.If you owe council tax or income tax arrears, you can bet your arse they will find you.
It pisses me off that single parents are vilified for claiming benefits, when their feckless partners can walk away and start life afresh, with barely any social pressure to be responsible. You would be vilified more for drink driving, yet these men contribute to children being raised in poverty, something that can affect them for life...
There needs to be harsher consequences for their actions.
This whole subject infuriates me. The government really need to get their arse into gear and get this system working properly. They want to tackle the benefits issue then this is the place to start. So many single parents wouldn't get benefit bashed if the absent parent was made to take more responsibility. What other option is there but to rely on benefits when the other parent swans off and lives a cushy life.
If your ex is employed and this employer is known to the CSA they should be able to enforce a Deduction from Earnings Order...if the employer fails to implement this they can be referred for criminal compliance action. Given the lack of payment I assume they do not know his employer or he is a job hopper (leaving a job once a Deduction from Earnings Order is in place) If he is paid cash in hand it is virtually impossible for CSA to collect payment. Remember that it is the non resident parent responsibility to pay child maintenance...if they do not want to pay and are move around it is difficult to enforce. But as someone said earlier arrears do not go away unless you ask them too.
The 0845 number is not premium rate, it is a local number although if you use a mobile I know it can cost more. If you are worried about the cost call them, complete security and ask them to call you back.
I hope you start to receive payments soon.
They are. Ask to speak to a manager. Then their manager then their manager then complaints then the complaints manager.
Your case actually seems quite simple, remind the CSA it's criminal not to provide information to the CSA when requested so either they haven't asked for it or you ex/his employer are acting illegally and you want it reffered to the criminal team.
A deduction of earnings was meant to happen in Dec 2012 on my ex and it never happened
I ring them once a month and they tell me they are taking action
I think I will contact my local MP- good tip.
Well, my mum has just started receiving maintenance payments for me from my dad.....14 years after she applied! She thinks it's hilarious (14 years ago we were dirt poor, now she's remarried and very well off and doesn't need the cash). Dad less than impressed of course but accepts we deserved the money. They catch up with them eventually, hopefully they'll sort you out a bit quicker than they did our mum!
needaholidaynow funnily enough, at the last count he had five kids by four different women
probably more than that by now but only pays for two of them, as two are now in their early twenties and the other is being brought up by a woman he had an affair with and her husband. Honestly, it's like an episode of Jeremy Kyle. You couldn't make it up.
OP, when they say 'he has an employer' it sounds as though they are enforcing using an attachment of earnings order possibly. Call and ask them if this is happening.
They don't need to take him to court for this - they can order his employers to deduct at source and then pay CSA.
Note that if employer is also 'non compliant' it still won't work. I'm lucky that ex has got a decent job these days with a national company who deduct and pay over like clockwork.
Also bare in mind that arrears do not disappear EVER The csa might be useless a lot of the time, but it is worth pursuing if the non resident parent is a persistent non payer.
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I stayed back today to get some work done. I'm working on a mailout and also contacted some other folks I've been trying to reach.
This evening, we went back down to the waterfront and had dinner outside at the 'Soggy Duck.' There was a 'classic car show,' so we walked around afterwards and looked at the old cars. The boys are becoming big fans of classic car shows.


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Mobile App
Gobindgarh Public College
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Gobindgarh Public College is situated at Gobindgarh Public College, Alour Post Box No. 31, Khanna Pincode - 141-401 Dist. Ludhiana in Ludhiana.
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Gobindgarh Public College - GPC
Gobindgarh Public College is an Institute run for social welfare by Gobindgarh Educational & Social Welfare Trust is committed to EXCELLENCE in the Provision of value based education through various institutions. This commitment shall reflect in our comprehensive programmes, educational services to students, professionalism of Faculty and Staff and a regimented campus disciplineWe happen to be harbingers of quality and high class education. True education is training of both the head and heart. Intellectual education influences the head, value based education influences the heart. We believe in education that build fundamental traits of character such as honesty, compassion, courage, discipline, persistence and responsibilty. What a broad based education really means is that the students are prepared for life, without loosing their area of specialization or ompetence. We are committed to produce noble and knowledgeable citizens who have a strong National character, a universe outlook and the passion to serve manking.We shall encourage and recognize EXCELLENCE: in learning as the principal pursuit of our students; in teaching as the principal pursuit of our faculty; and in serving as the principal pursuit of our administration and management. Our commitment to EXCELLENCE shall be sustained by contineous self-renewal and self-appraisal, which will enable us to be innovative, efficient and effective leaders amoung our peer institutions of the region
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How far can a lip lift go? (photos)
I'm looking at lip lifts online and on real self and I just don't think the doctors take enough skin out. Most of the lips go from being small to an okay. What if I want a huge difference? Like the pictures bellow?
Doctor Answers 3
Lip Lift
As a general guideline no more than 1/3 of the vertical philtral distance should be removed. Any more than that amount can create an unnatural upper lip appearance…and the operation is irreversible.
Web reference: http://www.eppleyplasticsurgery.com
Lip Lift
Lip lifts are approached conservatively so the patient will look natural and can close their lips. In general, only about 25% of the skin of the upper lip can safely be removed.
Lip lifts - why aren't surgeons more aggressive
Thank you for asking about your lip lift.
- The amount that can be safely removed is approximately 25% of the skin of the upper lip.
- Removing more has the risk of creating an imbalance between the lip and the rest of the face.
- It can also in certain cases make it difficult to close the lip
- The upper lip is normally smaller than the lower lip but at the moment it is fashionable to have fuller upper lips.
- To know what is right for you, you need to have an in-person examination and discuss with your plastic surgeon the look you want and what is reasonable to do.
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text:
GM's Aid 2: Condition Cards
GM's Aid II: Condition Cards is the second product in the GM's Aid line from Purple Duck Games. The cards have been designed as a game aid for players and gamemasters alike. They have been formatted to print on any standard-size business card paper, or you can just print them on cardstock and cut them out using the lines as guides.
If you are a player, print the cards and keep them handy, and whenever your character is struck blind by a spell, knocked prone by a powerful blow, or simply invisible thanks to a handy potion, you can pull out the requisite card and - voila! - you have all the information you need to handle any adjustments to die rolls, combat stats, skill checks, etc. When your condition ends, simply return the card to the stack.
If you are a gamemaster, you might even consider printing out two or three sets of these cards, as multiple characters can sometimes be affected by the same condition. That way you can label the cards in pencil or color-code them with reusable sticky tags, or hand them to the affected players for the duration of their condition.


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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
These $20,000 come from a breach of a "draconian" contract not for $20,000 that debtor spent and now doesn't have the means to pay it.
Are you the creditor or the debtor? You're question is vague.
Judgments can last up to 12 years in some jurisdictions and can be renewed. If you are a debtor - paying 25% of the original debt to settle is, from my view, a good offer. If you're the creditor then 25% may be worth taking, or you may be able to watch the money trickle in slowly for 7+ years. The credit report is pretty much irrelevant when discussing a judgment because it is a separate issue. This is not advice on what you should do.
But to provide a better answer, more facts about your specific situation would be needed.
This is not legal advice nor does it create an attorney-client relationship. This is for education and informational purposes only. It is always recommended that you contact an attorney with any concerns as each individual case is unique.Ask a similar question
Judgement is very unlikely because the original company didn't sue but passed it to debt collectors. They know the debtor is not able to pay that amount of money, he doesn't have the assets and bank accounts with that kind of money? very unlikely. So the next option is to attack the debtor's credit report. My question is how harmful is that stain in a credit report so a debtor could be forced to pay $5,000, for example. Thanks.
It's a common misconception that a creditor can "attack a credit report" all by itself. The default of the debt has already been reported to the credit bureaus and thus resulted in lowering the consumers score. At that point in time, the creditor can pursue legal action. The creditor cannot directly affect the credit report any more than they already have - except for filing a lawsuit and obtaining a judgment. That judgment would then be reflected on the credit report. The original company doesn't have to sue. The debt collectors, who employ lawyers will do the suing. It's a very complex area of the law and I hope that sheds some light on what happens.
I know that the creditors' company has their own legal firm to do this and they didn't use it. Why they passed it to a debt collector firm? I think because it would be futile to sue and get a judgment when the debtor doesn't have the means to pay that amount. If they pursue the judgement it would just be to harm the debtor when they know the debt can't be paid. Through a debt collector they have more chance of working the debtor psychologically. Thanks!
If you don't want to make an expensive mistake, go see one or more lawyers near you who handle these types of cases as fast as you can. I do, as well as many others. Or, try looking at NACA.net for an attorney who will help you with no out-of-pocket cost to you. Good luck!
I often take cases other attorneys won't, so call me for a free consultation. My number is 727-712-3333, or you can view my website at www.TampaConsumerLawyer.comAsk a similar question
You need to discuss this with a consumer debt relief attorney. It sounds like the original creditor may have sold the debt for pennies on the dollar to a debt collector. The debt collector will pursue a judgment because, in Florida, that judgment can be collectable for up to 20 years. You say the debtor doesn't have the funds now, but the debt collector is counting on the debtor's circumstances improving over the next 20 years.
There are other issues when settling a debt like this: The debtor should first verify the debt collector has the right to collect on the debt. The debtor also needs to be aware that the $15,000 in "forgiven" debt will be reported to the IRS as income and they will likely be liable for about $4,000 in additional taxes next year as well. It's worth a consultation with a good consumer debt relief attorney.Ask a similar question
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