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Programs by:
*Please see the detailed information available below for an important note about program dates.
"Newsweek" declared Monteverde one of the world's top places to remember before it disappears. Get to know why the city's beautiful and rare cloud forest habitat is so important to the country and the planet on CIEE's Sustainability and the Environment program. At our Study Center in the heart of the cloud forest, you'll dig into wildlife conservation, environmental education, alternative agriculture, ecotourism, reforestation, sustainable building, environmental art, or green energy – and maybe help the world in the process.
Study abroad in Monteverde and you'll:
We want as many students as possible to benefit from studying abroad. That's why CIEE awards more than $5 million every year – more than any other international educational organization – to make study abroad affordable.
Applicants to this program are eligible for the following scholarships and grants:
$2,500 toward program costs. To recognize high academic achievement, CIEE offers a limited number of merit scholarships to our strongest students. These awards are based on students' academic records, and on the submission of a personal essay describing to us how their CIEE program will impact their college experience and future career plans.
The GAIN Grant helps cover airfare costs to and from CIEE program locations for students who demonstrate high financial need. GAIN Grants are available for short-term (January and summer), semester and year-long CIEE programs.
Applicants for the Benjamin A. Gilman International Scholarship can apply for the CIEE Gilman Go Global Grant, which provides both program cost support and support for airfare. Students will have to provide proof of having applied to the Benjamin A. Gilman International Scholarship, upon request.
To be considered, submit the CIEE Scholarships & Grants application within your CIEE program application. Learn more at the Scholarships & Grants section of our website.Apply now
Ground your fieldwork in conservation and sustainability theory and principle. Explore Costa Rican history; the relationships between environment, economy, and society; and conservation biology policy.
CIEE makes sure you get plenty of hands-on work experience. You might design and construct an artificial wetland to treat "gray water" with the Monteverde Conservation League and the Children's Eternal Rain Forest. The Costa Rican Conservation Foundation might have you use GPS and GIS to map bird species' habitats. At the Centro de Educación Creativa, you might teach environmental art. Work with private businesses, NGOs, and educational institutions in fields including environmental education or protection, native species horticulture, sustainable agriculture, alternative energy, sustainable building materials, or institutional development.
Each day, you'll have a chance to explore Monteverde. You'll also spend four full weeks traveling around Costa Rica and Nicaragua exploring protected areas of endangered biological and cultural diversity, visiting organic coffee, cacao, and pineapple plantations, and more. One of the favorite trips each year: searching for kinkajous and olingos at night in the cloud forest. This is one experience you won't want to miss.
During excursions you'll meet indigenous groups and business people, tour rural communities and conservation and development projects. You'll also visit important cultural sites, participate in local holidays, learn to cook Costa Rican food, and attend community functions. Excursion destinations include remote and unique communities, where you'll encounter various dialects or languages and learn about local food, legend, beliefs, and customs.
Use your research skills to provide information that might shape policy and practices in sustainability and environmental protection. You could research how to grow hydroponic lettuce without agrochemicals, optimize placement of artificial wildlife passages, compare the growth of trees in reforestation plots grown with different maintenance programs, or something else related to your interests.
We want to make sure you get the most out of your experience when you study abroad with CIEE, which is why we offer the most inclusions in our fees.
The program fee includes:
This breakdown has been prepared from the program budget for the purpose of calculating eligibility for financial aid. During the course of program operations, actual figures may vary. It should not, therefore, be used as a basis for calculation of refunds. CIEE reserves the right to adjust fees at any time.
Students required to study on CIEE programs through a School of Record will be charged a $500 administrative fee in addition to the Program Fees listed.
* non-refundable
** direct cost of education charged uniformly to all students
*** includes all meals
The estimated additional costs indicated are intended to assist students and parents in budgeting for those additional living and discretionary expenses not included in the program fee. Actual expenses will vary according to student interests and spending habits.
* round-trip based on U.S. East Coast departure
Total recommended credit for the semester is 17 semester/25.5 quarter hours.
Contact hours for the Spanish language course are 60 hours and recommended credit is 4 semester/6 quarter hours per course. Contact hours for the science-based courses exceed 60 and recommended credit is 4 semester/6 quarter hours, unless otherwise noted.
CIEE participants are required to take all five courses. The study abroad program is designed to provide a full semester of electives for environmental studies/science majors. Because requirements vary between schools, contact your study abroad office for course equivalents and credits awarded toward your degree.
Welcome to the rain forest. Literally up in the clouds of the Costa Rican continental divide, Monteverde is a tropical mountain home to tens of thousands of species. Big cats like pumas live here, as do monkeys, 420 species of orchids, and the endangered three-wattled bellbird.
Monteverde is a small, international community, nestled along the edge of the cloud forest in the Tilarán mountain range of northwest Costa Rica. It is perhaps best known for the famed Monteverde Cloud Forest Preserve, which offers some 200,000-plus yearly visitors a portal to a lush haven for biodiversity. The region, comprised of numerous small towns (Monteverde, Cerro Plano, Santa Elena), is home to about 5,000 people of diverse backgrounds.
Drawn to the area's spectacular beauty and opportunities to see quetzals and monkeys, tourists now contribute the principal revenues, although coffee plantations and dairy farms still dot the landscape. The region, comprising of numerous small towns (Monteverde, Cerro Plano, Santa Elena) is home to about 5,000 people of diverse backgrounds. These include Costa Ricans, who can trace their local roots back for several generations, North American Quakers, who colonized the upper elevations alongside Costa Rican pioneers some 60 years ago, and many international artists and biologists. Although highly diverse, the local community leans toward values favoring family, environmentalism, and pacifism. However, recent opportunities for economic development at the expense of nature, quality of life, and peacefulness have ignited debates about whether and how sustainable development is possible. This dynamic makes the perfect venue for students of sustainability and environmental conservation.
Hector Castaneda has a degree in Tropical Forestry from the Instituto Tecnológico de Costa Rica. He earned an MS in Tropical Conservation and Development as well as his PhD in Interdisciplinary Ecology from the University of Florida. His experience includes ethnoecology, remote sensing for forest cover monitoring, GIS analysis of land cover change, environmental entrepeneurship and forest restoration. Hector has worked as Adjunct Faculty for Duke University, Technical adviser for the REDD-CCAD/GIZ program for Central America, and as Environmental GIS consultant for IUCN and other international organizations. He is an instructor for the Sustainability and Environment Program.
Juliana is from San Jose, Costa Rica. She has lived in Monteverde for over 15 years. Juliana has a B.S. in Business Administration from the University of Costa Rica and currently is finishing a graduate degree in Business Management. Besides being a native Spanish speaker, she also speaks English and Portuguese. She started working with the administrative team at CIEE-Monteverde in 2014.
Karen Masters has a B.S. from the University of Michigan and a Ph.D. in Ecology and Evolutionary Biology from Princeton University. She has been directing and teaching for the Sustainability and Environment Program since its inception in 2009. Her research is on the effects of climate change for cloud forest ecology. More recently, she has been involved with climate-smart conservation and agriculture.
Erick McAdam currently teaches Costa Rican Natural History. He has a B.A. in Biology from Berea College, Kentucky and an MS from Oregon State University in Sustainable Forest Management with emphasis on remote sensing of forest attributes and process-based growth modeling. Erick previously served as Coordinator and Field Biology Instructor for the University of California Study Abroad Program and various other university programs at the Monteverde Institute.
Paola, Program Assistant, is from the north of Costa Rica (San Carlos). Paola has a BSc in Biology with a focus on Botany from the University of Costa Rica. In her role as assistant, Paola helps coordinate logistics and academic activities. She will be your big sister in everything you need.
Priscilla Palavicini is from Costa Rica's capital city, San José. She earned a B.S. in Biology from the University of Costa Rica and a M.S. in Environmental Leadership & Management from the UNESCO Costa Rican University for International Cooperation. She has worked with CIEE-Monteverde in different capacities since 2010, but is currently the High School Coordinator and Instructor.
The CIEE Study Center in Cerro Plano de Monteverde is the base for the study abroad program in Sustainability and the Environment. Providing classrooms, computer, and library facilities, as well as indoor and outdoor common areas, the Center offers great settings for experiential and traditional learning. Retrofitted from previous incarnations as a dairy barn, lumber mill, vegetarian restaurant, and community arts hub, the Center still integrates evidence of the eclectic dimensions of Monteverde, with design elements that are student- and eco-friendly. Indoor spaces are lit with skylights. Outdoor spaces are landscaped using native plant species, local materials, and up-cycled treasures from our recycling center. Many of the creations are contributions of student interns from previous semesters.
Housing, meals, and transportation costs are included in the program fee. Study abroad students are placed in individual homestays in Monteverde, Cerro Plano, Santa Elena or other nearby towns. They have their own room and the family provides three meals a day and laundry service. Students can walk from their homestays to the CIEE Study Center, but have the option to pay for taxis if they desire. During overnight field trips, students and staff stay and have meals in simple hotels or field stations, and travel by bus or boat between destinations.
You'll begin your study abroad experience in Monteverde even before leaving home by participating in a CIEE online pre-departure orientation. The resident director meets with students online and shares information about the program and site, highlighting issues that alumni have said are important, and giving you time to ask questions. The online orientation allows you to connect with others in the group, reflect on what you want to get out of the program, and learn what others in the group would like to accomplish. CIEE's aim for the pre-departure orientation is simple: to help you understand more about the program and identify your goals.
A two-day, mandatory orientation session, conducted in Alajuela at the beginning of the program, introduces you to the country, culture, and academic program. It provides critical practical information about living in Costa Rica (particularly Monteverde), and provides guidelines about living with Costa Rican homestay families. It includes both structured activities and independent sightseeing. You'll learn about the program, the trips planned, the calendar, and expectations. You'll also receive readers and other course materials at this time. While in Alajuela, you'll be introduced to issues related to urbanization, waste management, and environmental justice with a lecture and outing to a shantytown on the edge of a solid waste landfill.
Upon arrival in Monteverde, you'll take walking tours with teaching staff to see the town and natural areas and get an in-depth orientation to the Study Center. During the first week, you'll visit organizations offering internships and meet people involved in sustainability in the zone. Before the beginning of the two, two- week field trips, you will prepare with lectures and readings, and be provided with a detailed packet of information, including itinerary, map, packing list, etc. Generally there is a preparation session held each evening before a field trip activity and a de-briefing following it.
In preparation for the end of the semester and students' departure, students and staff have an open discussion in which they anticipate upcoming change and possible reverse culture shock. They consider how their lives have changed, and also how these changes make them better suited for handling the transition.
You are encouraged to bring a wireless-enabled laptop. You will be able to access the Internet at the CIEE Study Center, Internet cafés in Monteverde, and some of the homestays. Internet access will not always be available, particularly while traveling.
You will interact with a variety of sectors of Costa Rican society including residents and business people of Monteverde, members of rural communities and border towns, and even indigents of landfill shantytowns in the capital city. You'll visit indigenous groups, such as the BriBri of the Talamanca mountains, island communities of fishermen and clammers, and residents of a small town slated to be flooded if a controversial hydropower plant is approved. You'll travel to El Castillo, Nicaragua, where you'll get to know Nicaraguans who spend part of the year as undocumented workers in Costa Rican pineapple plantations; local subsistence farmers trying to protect forest patches; and business people striving for the socioeconomic development that their neighbors in Costa Rica enjoy.
The program gives you a chance to see economic development projects from an insider's vantage point. These include power plants for "green energy" export, which create their own set of negative externalities. You'll visit integrated conservation and development projects aimed at the protection of fisheries and mangroves coupled to job creation, and learn how common pool resources can be successfully, and unsuccessfully, managed. You will also explore agriculture on large and small scales, as agroforestry and agri-business, to learn the many forces acting on modern food systems. In Monteverde, you will have the opportunity to investigate the claims that eco-tourism is the silver-bullet solution for simultaneous economic development and environmental conservation.
The semester is filled with opportunities to experience nature firsthand, to marvel at wildlife and learn about the natural history of tropical flora and fauna that conservationists fight to save. Very importantly, you will be exposed to conservation strategies, resource management practices, and the people behind these initiatives. There are excursions to public and private reserves spanning diverse terrestrial and aquatic ecosystems. Some of the endangered habitats that you'll have the good fortune to visit include the Monteverde cloud forest, Isla de Chira mangroves, and the Indio Maíz Reserve of Nicaragua. You will visit grassroots conservation organizations, such as the Monteverde Conservation League, to learn about how conservation on a shoestring is accomplished and how it sometimes fails. You'll also visit national parks to investigate threats to the nation's natural capital, learn what conservation mechanisms are working, and what needs improvement.
Cultural diversity is not overlooked in this study abroad program. The Spanish language and homestay program includes family events, including some held at the Study Center, designed to expose students to the culture of Costa Rica. Also, you will visit important cultural sites, participate in local holidays, learn to cook Costa Rican food, and attend community functions. Field trip destinations include remote and unique communities, where you'll hear other dialects or different languages, as well as learn about local food, legend, beliefs, and customs.
The CIEE Study Center in Monteverde has a long tradition of high academic quality and holds students to rigorous standards of performance. The Sustainability and the Environment study abroad program is open to serious and committed students majoring in environmental studies/science and who have completed three courses related to environmental studies, including environmental science, conservation-related courses, policy and management, or sustainable development.
The Sustainability and the Environment program integrates lectures, lab exercises, field excursions, community interactions, and an internship. Extensive experiential components in context allow students insight into the real-life application of sustainability and conservation principles.
This is a demanding program that will both challenge and reward the serious student of sustainability. Participants are expected to engage fully in all academic activities, in the classroom and field, and integrate into the lives of their Costa Rican families. The schedule is highly programmed and leaves virtually no free time for independent travel. Nevertheless, students travel with teaching staff to remote and fascinating corners of Costa Rica and Nicaragua, and can look forward to many adventures and unique experiences unavailable to casual travelers. Collectively, the five required classes present a heavy load that students must carefully and efficiently balance to succeed. However, many of the activities afford unparalleled opportunities for an inside-view of sustainability and environmental conservation in practice. Further, instructors are very experienced and dedicated to facilitating learning by motivated students. Students who are excited by the prospect of an intensive but enriching semester of learning and living are encouraged to apply.
Classes are held with CIEE study abroad students only and are quite small and dynamic. There is no direct enrollment with local students. The five classes are specifically designed for the Sustainability and the Environment Program. It is expected that all students will attend all classes and hand in all assignments unless excused due to extenuating circumstances. The entire curriculum is highly integrated, with coursework complementing and reinforcing lessons across classes. Courses combine lectures, field exercises and excursions, interviews, small-group work, open discussions, and laboratories. There is an emphasis on activities and assignments that encourage critical thinking, and exams and essays tend to be writing-intensive. The Spanish language courses are offered by the Centro Panamericano de Idiomas. There are nine levels of Spanish offered, with no more than four students per instructor. Depending on their level, students read different novels by Costa Rican authors having to do with environmental themes. Homework includes reading and writing and in-class activities are aimed at the practice and acquisition of conversational Spanish.
Spanish language acquisition is integral to Sustainability and the Environment curriculum and to a student's full and rich experience. To that end, students take a four-credit Spanish Language course (ratio of instructors: students is 1:4 or lower), and live with Costa Rican families for the duration of the semester. Internships involve working with local community members, thus affording students many opportunities to use their Spanish skills in context, and there are regular interactions and interviews with locals as part of class activities. Spanish classes are scheduled heavily in the beginning of the semester to provide immersion and preparation. Translations are provided for interviews, etc., but even beginner students become conversant in the second half of the semester and then take more responsibility for the translations themselves.
Students are assessed using traditional evaluation tools, including tests, written reports and essays, participation in discussion and activities, and oral presentations. Standard letter grades of A-F are given with pluses and minuses.
Internships in environmental education, farming, natural resource management, ecotourism, reforestation, sustainable design, environmental art, and green energy provide working knowledge and experience in sustainable activities. Study abroad students participate in a one-month internship program that is highly integrated with themes taught in the core classes. This includes visiting local businesses or NGO's to learn about internship opportunities, then writing a proposal to carry out a specific project designed to enhance sustainable development for the internship provider. Students then work for one month on site, carrying out their proposal. Later they communicate their results in written reports as well as in an oral presentation to their peers, homestay families, and community members.
Karen Masters, Ph.D., CIEE resident director, teaches the Sustainability: Environment, Economy, and Society and Conservation and Sustainability Internship courses. Ecologist Adam Stein, Ph.D., teaches Tropical Conservation Biology and Policy and draws on extensive experience to bring to life the issues surrounding the future of tropical biodiversity. Additionally, there are two teaching assistants, often past program participants, who work closely with program participants and facilitate students' cultural and social adaptation to the Monteverde experience. Spanish language courses are taught by the Centro Panamericano de Idiomas staff.
Note: This course listing is for informational purposes only and does not constitute a contract between CIEE and any applicant, student, institution, or other party. The courses, as described, may be subject to change as a result of ongoing curricular revisions, assignment of lecturers and teaching staff, and program development. Courses may be canceled due to insufficient enrollment.
To view the most recent syllabi for courses taught by CIEE at our Study Centers, visit our syllabi site.
Tropical Conservation Biology and Policy
Students learn the scientific foundations for biodiversity conservation in tropical, developing countries, see how these principles inform environmental policy and management, and assess where improvement is needed. Students explore topics such as biodiversity, land ethics, extinction, climate change, ecosystem valuation, ecological restoration, and environmental governance. Hands-on exercises during field trips enhance students' understanding of concepts. Contact hours: 120 (30 lecture hours, 90 lab hours).
Recommended credit: 4 semester / 6 quarter hours.
Costa Rican Natural History
In this field course, students will be introduced to the principal life forms that inhabit tropical ecosystems. An emphasis will be placed on surveying plants, insects, frogs, birds, and mammals under natural conditions. Students will learn fundamental aspects of the ecology and natural history of these taxa, and have opportunities to observe and experience them in diverse habitats in the wild. Students will explore interactions between species, such as pollination, seed dispersal, herbivory, predation, parasitism, and commensalism. Contact hours: 30. Recommended credit: 2 semester / 3 quarter hours.
Sustainability: Environment, Economy, and Society
This course introduces the interdisciplinary concept of sustainable development and explores sustainability principles and practices using examples in Monteverde and around Costa Rica. Issues treated include urbanization, food security, agriculture, forestry, water resources, energy production, trade, tourism, poverty, and literacy. Hands-on exercises enhance students' understanding of concepts, and increase students' appreciation of the complexity inherent in turning principles into real-life solutions. Contact hours: 120 (30 lecture hours, 90 lab hours). Recommended credit: 4 semester / 6 quarter hours.
Conservation and Sustainability Internship
Students participate in a one-month internship that may include environmental education or protection, native species horticulture, sustainable agriculture, alternative energy, sustainable building materials, or institutional development, offered by private businesses, NGOs, and educational institutions. They enhance their understanding of conservation and rural development issues. Students learn about the agency's mission and day-to-day operations, and gain new technical abilities and knowledge which serve the student as well as the organization in achieving its mission and overall sustainability. Total hours: 135 hours. Recommended credit: 3 semester / 4.5 quarter hours.
Beginning Spanish Language I
Beginning Spanish Language II
Beginning Spanish Language III
Intermediate Spanish Language I
Intermediate Spanish Language II
SPAN 2003 MTVE Intermediate
Spanish Language III
Advanced Spanish Language I
Advanced Spanish Language II
Advanced Spanish Language III
Though grammar and composition are included, language courses focus on conversational Spanish. Additionally, students read novels by well-known Costa Rican authors on topics related to environmentalism. Students are evaluated for speaking and writing abilities and are placed in classes with a student to instructor ratio of four to one. Contact hours: 60. Recommended credit: 4 semester / 6 quarter hours.
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300 Fore StreetPortland, ME 04101P: 1.800.40.STUDYF: 1.207.553.4299E: email@example.com


text: "vegetarians just by being vegetarians are making a statement and a judgment about people who aren't." Well, that's bullshit. And if you honestly believe that you're pretty ignorant. Believing something different or living life different doesn't necessarily involve judging those who choose otherwise. More so, you respect them because you are so aware of what the ability to choose is worth.

subset: commoncrawl


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Is It Better to File for Bankruptcy Before or After My Home is Foreclosed?
The pros and cons of filing for bankruptcy before you lose your home to foreclosure, and after.
If you plan to file for bankruptcy but are also facing foreclosure, the timing of your bankruptcy can make a difference for you, depending on what you want to do with your home. In some cases, you should file for bankruptcy first, before the foreclosure sale occurs. In others, it may be better to let the foreclosure run its course, and then file for bankruptcy.
Below you can learn about the benefits and drawbacks for each option.
Bankruptcy's Automatic Stay and the Bankruptcy Discharge
When you file for bankruptcy, an automatic stay goes into effect. This freezes all collection activities against you. A creditor cannot take money or property from you, and any lawsuits against you must pause, during the stay. Even trying to collect through phone calls or letters violates the stay. (Learn more about bankruptcy's automatic stay.)
Once the bankruptcy court enters a discharge at the case's conclusion, the stay is removed, and creditors whose debts were not discharged (wiped out) by the bankruptcy can resume collection. Bankruptcy eliminates most, but not all, types of debts. The balance due on your mortgage note (often called the deficiency) falls within the category of debts that bankruptcy will wipe out.
When You Should File for Bankruptcy Before the Foreclosure Sale
In some situations, filing for bankruptcy before the foreclosure sale is complete has advantages.
You Want a Mortgage Loan Modification
Many clients in foreclosure want a loan modification, or a similar agreement, with the bank. If you file for bankruptcy early in the foreclosure process, the automatic stay will temporarily stop the foreclosure. When your bankruptcy case is over and the court discharges your debts, the foreclosure will continue. But at that point, you will have time to negotiate a loan modification with the bank before the foreclosure is complete. (Learn about the federal Home Affordable Modification Program.)
One big advantage of having the bankruptcy under your belt: The discharge of your other debts may mean that the bank will be more likely to approve your loan modification.
Peace of Mind
If you don't want to keep your home and your bankruptcy is complete before the foreclosure sale, you won't need to worry about any lingering deficiency balance once the foreclosure goes through. The bankruptcy will eliminate it.
Even if you try to keep the property after your bankruptcy through a loan modification, you'll know that if you don't succeed, you can walk away without owing anything.
You Want More Time in Your Home
If you file for bankruptcy before your home is sold at foreclosure, the automatic stay will prevent the foreclosure case from moving forward. This can add to the time it takes the lender to sell your house, giving you more time to live in it.
You Are Considering Chapter 13 Bankruptcy
In Chapter 13 bankruptcy, you make payments to your creditors over a period of three to five years. In return, you may keep your property.
The benefit of a Chapter 13 if you are in foreclosure is that you may be able to pay off your overdue mortgage payments over the course of your repayment plan. At the end of your plan, you will be current with your mortgage again. You would not have this opportunity if you file for bankruptcy after your home is sold at foreclosure. (Learn more in Using Chapter 13 Bankruptcy to Avoid Foreclosure.)
When You Should File for Bankruptcy After the Foreclosure
Below are some situations where you might want the foreclosure sale to go through, and then file for bankruptcy.
When You Don't Want to or Can't Pay Homeowner's Association or Condominium Dues
You are not liable for payment of dues to a homeowner's association or condominium association if those dues are assessed before your bankruptcy petition is filed. However, you are liable for dues assessed on property in your name after you file for bankruptcy.
If you file your bankruptcy after the foreclosure sale you avoid having to pay dues assessed after you file, because the property is no longer in your name. Any dues that you owe would be those assessed before your filing, and they would be wiped out in your discharge. The same is true for any code violations, fines, or other new charges related to the home.
If You Are Only Filing Bankruptcy to Avoid a Deficiency
If the only reason you are filing for bankruptcy is to avoid a mortgage deficiency balance, you could be jumping the gun by filing before your foreclosure sale because you may not be liable for a deficiency anyway.
What is a deficiency? A deficiency is the difference between how much you owe at the time your home is sold at foreclosure, and its fair market value. For example, if you owe $350,000 on your first mortgage and your home sells for $300,000, the deficiency is $50,000. In many states, the mortgage lender can sue you to collect this amount. (Learn more about deficiency balances after foreclosure.)
Bankruptcy wipes out your personal liability for a mortgage deficiency no matter when you file. But even without bankruptcy, you still might be able to avoid liability for a deficiency. There are a number of situations where borrowers who are foreclosed on do not owe a deficiency:
- State laws. Some states do not allow a mortgage lender to sue former homeowners for a deficiency, at least for certain types of loans.
- Waiver of deficiency. Many lenders will waive (give up their right to) a deficiency in certain situations, especially if you apply for a short sale, deed in lieu of foreclosure, or you have an attorney fighting the foreclosure.
- No collection attempts. And many lenders, even if they obtain a deficiency judgment, won't try to collect it.
If You Have Assets or Property of Value
Many states have laws that allow a debtor to keep more personal property if the debtor does not own a home. You may be able to keep property you otherwise would have lost by filing for bankruptcy after the foreclosure sale, when you no longer own a home.
When You Have No Choice
In many cases, you won't have a choice regarding the timing of your bankruptcy. For example, perhaps you need to file for bankruptcy immediately because of other lawsuits, wage garnishments, or other immediate threats to your money or property. You should always consider your total financial picture when determining the best time to file for bankruptcy. (Learn more about timing your bankruptcy.)
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text:
There's been a bit of hubbub in the geek media in the past few days about the dangers of using BitTorrent over Tor. This isn't news to us here at ALE, but it's come as a bit of an eyeopener to a lot of people. The TOR blog has written up a pretty good analysis about the problem called BitTorrent Over Tor Isn't a Good Idea. In the comments, there are some kind words about Anomos. Unfortunately, there is a common misconception I'd like to dispel here: Anomos does NOT require that the tracker know your IP! You can be entirely anonymous while downloading and uploading over Anomos. I'll explain.
Now normally when you connect, it looks like this:
In this case, yes, the tracker knows your IP, but other members in the network know nothing about your data transfers.
But, because Anomos announce requests to the tracker are done with HTTPS, you can also do this over Tor/Privoxy, like so:
In this case, the tracker has no idea who you are. First of all, this is hard to set up. It means installing additional software and fiddling with proxy settings, which is just too complicated for most users and goes against the Anomos philosophy of usable privacy. There are downsides to this – you will not be assigned to other peers in the network, you will only be able to connect out to peers, and not the other way around (this is the same effect as peers who don't forward their ports.) This has a damaging affect on the network.
When all peers are reachable (the optimal scenario) – the graph of connectivity looks like this (where blue peers are connectable, and yellow ones aren't):
And when 90% of peers are behind Tor, or aren't forwarding their ports, the network looks like this:
He looks happy, but he's not, because this means that there aren't as many paths for file transfer to take, so the central peers will be overloaded and the network will become congested and slow. If every single person does this, nobody will be able to connect to each other, so it won't work at all!
Anomos is designed with the assumption that at least some peers are only concerned about their neighbours spying on them, and that they trust the tracker enough to connect to it. However, those with more serious privacy concerns will be able to share files totally anonymously. This doesn't only work with Tor, it will work with any proxy or anonymity network, like I2P. Some day, we'd like to distribute Anomos and Tor bundled together and configured for totally anonymous transfers right out of the box. For now, you'll have to install Tor and Privoxy separately, then change the proxy settings on your own.
I hope this clears things up for everybody!


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AGL:Environmental terrorist or evangelist? Take your pick but financial pragmatist is probably the best description.
The fact is that this company makes most of its earnings off the back of carbon producing coal-fired energy production and is using the proceeds to seed a $3 billion renewable energy fund that will invest in clean sources of power like solar and wind.
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Locals 'ecstatic' after AGL abandons CSG
February 4, 2016: Residents of Gloucester, north of Newcastle, say it is a "massive relief" that gas giant AGL will no longer go ahead with plans for a major coal seam gas project in the area.
There is nothing new age environmentally conscious in this. Like any corporation that is looking to maximise returns, AGL (like several others) understands that the writing is on the wall for the the production of dirty energy – in the longer term. Thus it is making an each-way bet on the future.
Make no mistake, companies like AGL make investment decisions primarily with reference to investment returns rather than environmental outcomes – regardless of the rhetoric.
The growing community swell around de-carbonisng industry plays into the equation but investment returns take a bigger share of investment decisions.
Numbers guide decisions
This is the company that last week announced it was winding down its interest in the coal seam gas industry.
Once again it was influenced by community uproar and protests about fracking in their back yards but the decision was one centred on the the gas supply/demand equation and the capital costs of firming up an unreliable coal seam gas resource.
In doing so it flagged a $640 million cost associated with the closure of coal seam gas operations – a move that resulted in the statutory loss of $449 million in the half year result to December 2015 which it announced on Wednesday.
Ugly as that was investors were not especially unnerved by the bottom line non-cash loss.
The writedown is the result of a former miscalculation of energy prices. And AGL is no Robinson Crusoe among its peers in this regard.
Shareholders welcome tightened purse
Rather investors were pleasantly surprised that some strict capital spending and some prudent cost cutting combined with higher gas prices resulted in a first half result that was better than most analysts had anticipated.
The company is not promising the same level of profit improvement in the second half of the 2016 financial year but nor is it expecting earnings to falter thus it produced guidance that was at the upper level of expectations. And the share price finished up the day marginally ahead.
For the time being at least AGL is riding on the back of higher gas prices – an outcome that may confuse the average reader who is bombarded every day with news that world oil and gas prices are in a slump.
In the case of AGL the gas it has been producing has been pre-sold in long-term contracts to the emerging wholesale customers and in particular the LNG producers who are ramping up their Queensland operations.
The massive LNG operators need reliable gas feedstock supply. So AGL exists in a handy pricing bubble which could continue for some years and could effectively bypass the current rout in energy prices.
Renewables tipped to pay off
Longer term it is clear that AGL is taking a punt that the balance will ultimately move between clean renewable energy and the dirty stuff which earns its healthy profits today – hence this week's creations of the renewables fund.
One of its existing clean energy assets will be effectively vended into this new renewables fund.
Thus the $200 million investment that AGL will take initially in the $2-3 billion fund would not add up to a significant diversion of funds. It will be looking for partners – like infrastructure funds – to join in the equity financing and debt providers like the Australian banks to take a punt on lending to the fund.
(AGL also announced yesterday that it had invested US$20 million (428 million) in a solar battery storage developer. It's small change in relative sense but enhancement in battery storage is the issue de jour in harnessing solar energy.)
More support needed
But the investment in the renewable funds provides it with disproportionate bragging rights in the battle to improve the environment.
Most companies – and AGL would be among them – are financial returns motivated and environmentally agnostic – even though they are sensitive to the growing movement towards lowering carbon emissions.
To really move the dial towards producing cleaner energy, companies like AGL need stronger support from the government which under the Abbott government gave them little certainty about how much support and financial incentive would be given to green policies.
And AGL is the first to admit that the changes in government policies over the past 4 -5 years has made investment decisions difficult.
Ultimately AGL, which is the country's largest generator, its largest emitter of greenhouse gases and the largest builder and operator of renewable energy is a particularly important part of the conversation about Australia's energy use and generation.
And as such the allocation of its investment should exert some influence on government policy. But it is limited in how fulsome any commitment to investment in clean energy can be until it can be secure with the level and the timing it will receive from legislators.


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Coconut Bacon
Its a great addition to salads, sandwiches, soups...even desserts! But don't let me fool you-its addictive. You'll get to the point where you'll barely be able to walk by a bag without grabbing a handful of the stuff...or is that just me?
The recipe is super easy to make, and a great way to teach non-vegans that we make damn good food too!
3 1/2 cups flaked coconut, unsweetened
2 tablespoons liquid smoke
1 tablespoon Braggs liquid aminos or soy sauce
1 tablespoon pure maple syrup
1 tablespoon water
1 teaspoon smoked paprika (optional)
Preheat oven to 325 degrees.
Combine liquid smoke, braggs, maple syrup, and water in a large mixing bowl. Pour in flaked coconut, using a wooden spoon to gently toss the coconut in the liquid mixture. If adding smoked paprika, add and toss to coat evenly. Once the coconut is evenly coated, pour it onto a non-stick baking sheet and slide it the oven. Bake for 20-25 minutes, using a spatula to flip the 'bacon' about every 5 minutes so it cooks evenly. This stuff WILL burn if you're not keeping an eye on it and regularly flipping it, so please do. Coconut bacon can be stored in a sealed bag or container for up to a month, refrigerator optional.
And, it makes a great BLT sandwich!


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Break out the Christmas music, hang the mistletoe, bake some cookies, put in the "It's a Wonderful Life" DVD, and get ready to deck the halls because it's Christmas in July at 7th House on the Left!
Yes, it's supposed to look like a cheesy, Photoshopped Christmas scene. So don't hate : )
Over the next few days, we're going to talk about ways to gear up for the Christmas season. Sure, it's a little early, but people wait until the last minute every year, and there's no better way to fight procrastination than a little pre-work and planning. We're going to talk about thoughtful think ahead gift ideas, do some DIY projects, and generally try to inspire you to plan ahead for a season that should be filled with joy, family, and friends – not stress. We're hoping that by doing some of these things earlier in the year, we (and you) will be able to take more time to simply enjoy the season.
When it comes to decorating for Christmas, our first thought is the tree. It's the focal point of our holiday decor, and it sets the tone for the rest of the house. Ideas for Christmas tree decorations actually start trickling in the back of my mind around this time of year. Early? Absolutely! But I'm a planner, and I love Christmas! Last year, by Christmas time, we were knee-deep in boxes and didn't get a chance to decorate much, aside from the tree and a wreath on the front door. Even though we aren't "done" with any of our rooms, the boxes are (mostly) gone, and I'm super excited about decorating for Christmas this year.
Some people like to change their Christmas tree from year to year, but we've used the same decorations for the past three years. Our tree, which is on the eclectic side of things, has a combination of silver, gold, bronze, red and a smidgen of white. And lots of glitter. Lots. When it comes to Christmas tree decorations, the more glitter – the better. I love how the white lights make the glittery decorations shimmer and bounce the light around the room.
Every year, we switch it up a little here and there. A few years ago, we added black and white photos a la Pottery Barn, and it looked pretty cool. This past year, Greg thought it would be cool if we used antique cameras instead…
We liked this addition so much, I think we're going to bring it back this year. Another thing we'd like to do is add more white to the mix. I think it would really bring out all of the white accents we have going on in the room. Yeah, the Christmas wheels in my brain are warming up now!
Since I was already on the Christmas tree train of thought, I thought I'd put together a few mini-mood boards for different Christmas tree styles. These are just small collections of ornaments and other decorations that might look good together. Hopefully one of these will inspire you to go ahead and get some new ornaments or decorations now (while some are on sale!), rather than waiting 'til the last minute.
peacock round glass ornament, silver + gold snowflake, green spike ball, white + silver glitter flower ornament, turquoise teardrop, fuchsia teardrop, glitter peacock, shiny green glitter scallop glass ornament
mini brown owl ornament, snow branch, gold + silver sunflower, wren feather clip, venetian design ornament, brown pinecone ornament, birds nest, mistletoe glass ornament
red ball spray, mirror ball ornament, green snowflake flower ornament, clear snowflakes, whimsical polka dot stocking ornament, circles teardrop ornament, raz red + white ball garland
So what about you? When do you start thinking about the Christmas tree? Do you have go with a theme? Do you use the same ornaments every year or like to change it up? Have any Christmas planning tips? Share them in the comments section… Come back tomorrow for another dose of Christmas in July!


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Here is a link to plans for a solar melter on BeeSource:http://www.beesource.com/build-it-yourself/solar-wax-melter/solmeltr/
I simplified mine, I took an old wood window frame, with glass, cut down the frame where the sash weights were and then built the melter to the dimensions of window. I had an old metal drip pan from a freezer I used to lay the wax in to melt it, that was half the size of the window. I then built it with a slanted bottom so the low part of the drip pan let the wax drip into a bread loaf pan with a screen and filter over it. I put hinges on the window frame so the whole top opens.


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Brendan Rodgers and Stewart Downing have not seen eye to eye this season but the manager praised Liverpool's Europa League match‑winner.
Rodgers upset the midfielder at the start of the month when he questioned his commitment but Downing provided the perfect response against Anzhi Makhachkala last night, scoring in the 1-0 victory at Anfield.
The 53rd-minute strike, which put Liverpool top of Group A, was a wonderful effort as he cut in from the left flank to drive the ball in from 25 yards.
Rodgers said: "It's been a tough time but Stewart's a good guy. He's had a rough ride but he's an important member of our team."
The manager fielded a strong side despite Sunday's derby at Everton. He added: "Our squad is not overly big but we were at home and the condition of the players physically is very good. So I had no concerns about that."
- More about:
- Everton
- Liverpool FC
- Premier League


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Gus Poyet wants to manage Arsenal in the near future.
The Uruguayan made the shocking claim ahead of his Brighton's side FA Cup Fourth Round clash with The Gunners on Saturday.
Arsene Wenger newly admitted his side could struggle to finish in the top four this season after a poor run of form and results. If The Gunners were to miss out on a Champions League qualification spot, along with another trophyless campaign, it could well increase calls for the legendary Frenchman to finally end his tenure at the north London club.
And Poyet, who once played for Chelsea and Tottenham, sees no reason why he couldn't one day succeed Wenger, despite his past links with Arsenal's London rivals.
The 45-year-old was quoted in the Daily Star saying:
'I want to manage at the highest level and would love to manage Chelsea or Arsenal. Why not?'
He added:
'Does my Chelsea or Tottenham past mean I cannot be Arsenal manager?'
Even if Wenger does NOT finish in the top four and win a trophy this season, I can still see him at the helm until his current deal expires, which is in fact in 2014.
Poyet has done a great job with Brighton and certainly has the potential to become a top-notch manager in the near future. But would I like to see the Uruguayan succeed the Frenchman as Arsenal manager? No. I just don't think he is quite there yet to take up such a challenge.
Visit and Join our Facebook page, click HERE to do so.
Gunnersphere is currently looking for new writers to join the squad. Contact via twitter or at firstname.lastname@example.com for further details.


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Today I landed in Nashville (or Nashveel as the locals say) for a blogging conference called BlissDom. And I am going to live my dream job for the next few days.
I am not much of a religious person, but today I feel blessed by everyone in my life. You see, the weather out of Denver was like 80 mph winds. And flights were delayed. And my nerves were shot. FIVE hours before my scheduled flight time! It was a looooooooong day.
My mom was texting me to make sure my flight wasn't delayed. It was. My bf was texting me to let me know the status. My older boys were out running to/from baseball workouts… I made my way to the airport and there was not a parking space to be found. I think I got the spot in the parking lot where you can't walk any farther. Seriously.
So I was on the shuttle from the parking lot when my phone rang. It was Jonesie (my 8 yo) and he said "Hi mom." I said "hi babe." He said "Um, did you go to Nashville today?" I said "Not yet, but I'm at the airport now." He said "Oh, good, because I was really worried about you with the bad winds." And I was blessed by his good little soul.
I posted a snippet of that convo on my personal facebook page and a friend said "Me too." As in, I was scared for you too. I was blessed.
I talked to my older boys to let them know I was boarding and they said "good luck". And I was blessed.
My bf texted that he was sending me an e-mail to make sure I read it before I left. What I read was how much he loved me and knows how much I was looking forward to attending this conference and to go get 'em. He knew exactly what I needed. I was blessed.
Got a text from my mom at midnight Nashville time, "did you make it okay?" I was blessed.
And then……… you all know that I travel frequently, but arriving in Nashville a brand new city – at MIDNIGHT – with no options for a shuttle to the hotel leaving me standing in line, by myself, waiting for a taxi. Then…… the girl behind me in line and I made eye contact and she asked where I was going, they were going to the same hotel for the same conference and she asked if I wanted to split the cab! Um, yes. I can ride a cab through Chicago, but something about Nashville makes me leery. I was blessed.
I got in the cab and she put her hand on my back and said "we will pay for the cab." WHAT?? I have a really hard time with compliments, with nice gestures and I awkwardly tried to turn down the offer. She told me about her family, we talked a little blog, a little conference… She is my kind of people. I WAS BLESSED. That blogger is Sara from A Thrifty Mom. I hope you'll do me a favor and stop by her site and give her some love for me.
So, I would say that I didn't do my Random Act of Kindness yet this week, but GREAT ones were bestowed upon me today by many, many people.
What acts of kindness have you committed this week?


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Want reliable service and top-of-the-line customer support? When you choose a cable company in Duncan, MS based on a recommendation from CableTV.com, you'll get just that. That's because customer service, reliability, and other important criteria are factored into our TV provider rankings, so you can easily evaluate your options and choose a provider that meets your needs.


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After last year's 'Square' LP, Sebastian Kramer returns with a sequel to his 2010 druggy techno 12" 'Red Pack'. 'Red Pack II' offers an even wider atmospheres: snarling grime pads and sledgehammer thumps on 'Daft Mode'; house lite with Brian Eno keyboards on 'Disco Marauder'. Released through Delsin and his own Present imprint, 'Red Pack II' fits everything in - even sensibly-paced trance on 'Path'.


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While we were setting around at the cookout the other day, something cool happened and I wanted to share it with you guys! As we talked we heard ice moving around in a cooler, All we say was a dogs head rooting around in it One of the guys had told him yellow lab to fetch him a "cold daddy". Brought it right back and and sat waiting for him to reach down and take it out of her mouth :getdown: We all went crazy as he explained just how she was "eager to please", how he had trained her and that she would even get them out of the fridge.
I just thought that was cool and felt you guys might enjoy it :salude:


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The Thyroid Diet
Manage your thyroid condition and finally lose weight.Top Rated Diets of 2017
The thyroid gland may be small, but its functions are powerful, especially when it comes to the regulation of metabolism and keeping weight at a healthy number.
It is estimated that 60 million Americans have a thyroid condition, which can result in a sluggish metabolism and gradual weight gain. Up until a few years ago, very little was known about the connection between the thyroid disease and weight gain. But now more research is being conducted on this nebulous condition so that those affected by it can control not just the disorder, but their health as well.
In The Thyroid Diet: Your Metabolism for Lasting Weight Loss, author Mary Shomon offers unsuccessful dieters practical and effective solutions that will help them to finally conquer their weight problems and control their thyroid condition.
The book, which serves as both a guide and a program, shows you how to manage metabolism with certain foods, metabolism-supporting herbs and supplements. It also contains several different eating plans, food lists, recipes, progress tracking reports, and resources so that you can be in charge of your health rather than having your thyroid condition manage you.
Do You Know the Best Diets of 2017?
- Includes effective, healthy and safe ways to manage a thyroid condition
- Encourages being responsible and proactive about your health
- Features conventional and alternative strategies to improving health
- Promotes a healthy and well-rounded diet and exercise plan
- Written by a thyroid patient advocate who understands this disease from first-hand experience
- Tailored to people with thyroid disease
There are three meal plans that are included in The Thyroid Diet, and you will determine which plan is best for you after taking an assessment in the beginning of the book. The three plans are: The Free-Form Plan, Carb-Sensitive Plan and Calorie-Sensitive Plan.
While the plans may vary in their specifics, they all follow a general eating plan that is comprised of a diet that is high in fiber, lower calorie and low on the glycemic scale. Rather than eating three large meals, six mini-meals and snacks are encouraged in order to keep your metabolism always running and burning. Each meal or snack will include a carbohydrate paired with a lean protein source such as whole grain crackers and string cheese.
Learning proper portion control is an integral component of The Thyroid Diet. Easy comparisons and measurement charts are featured so that you can educate yourself about what appropriate portion sizes are whether you are dining out or eating at home. Drinking six to eight glasses of water each day is another Thyroid Diet Must-Do.EXERCISE
Getting in daily exercise is key to not just losing weight but to keeping it off and maintaining an elevated metabolism. The Thyroid Diet suggests that you partake in a minimum of 30 minutes of exercise each day or more, particularly if you are trying to lose weight. A combination of cardiovascular and strength-training workouts are recommended since the cardio element will rev up your metabolism for an immediate calorie burn and strength training will offer you a more continual caloric burn as you increase your lean muscle mass.CONCLUSION
The Thyroid Diet, a New York Times Bestselling book, is one of the most definitive guides on thyroid diseases and their connection to weight gain. In this easy to read and follow program, author Mary Shomon helps you increase your metabolism and lose weight safely and effectively.
Complete with comprehensive information, three specific diet plans and an exercise plan, The Thyroid Diet is a holistic program designed to regain your health and lose weight.Common Misspellings
Thyroide Diet, Thyroid Deit, Throid DietHow Does The Thyroid Diet Compare?
- Product Name
- User Rating
- Easy to follow
- Cheap Price
- Fast Results
- High Protein Diet
- 91/100
- Dukan Diet
- 89/100
- Paleo Diet
- 87/100
- Plexus Slim
- 77/100
- The Thyroid Diet
- /100
User Feedback(Page 1 of 1, 1 total comments)
Honestly, this book won't help much unless you haven't done any research on your own. As someone who has, I expected more from this book. I understand that the nature of hypothyroidism makes it difficult to formulate a set plan for dealing with it, but this book just says "You could try this or this or this. It's really up to your system." I kind of already knew that.
Featured Diets and Supplements
Related Diets: Oprah Diet, Thyrin-ATC, Glycemic Index
The Thyroid Diet?


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Extreme Acai Berry
Give your immune system an antioxidant lift.Top Rated Diet Pills of 2017
Extreme Acai Berry is one of many acai-containing products flooding the diet supplement market. This particular product is supposed to boost your immune system, rev up your metabolism, improve digestion, reduce cancer risk and improve your energy.
The acai berry hails from the Amazon Rain Forest where it has been consumed for hundreds of years because of its complete nutrition profile. Acai contains vitamins, calcium, amino acids and essential fatty acids. Health and nutrition experts are praising the wonders of the acai berry.
Since traveling to Brazil to get fresh acai berries is not possible for most of us, products that contain freeze dried acai berry are your second-best bet for reaping the benefits of this superfood. If product does not use freeze-dried acai from fresh acai berries, then it will only contain a tiny fraction of the health benefits contained in the whole berry.
Do You Know the Best Diet Pills of 2017?
- Acai berry contains disease-fighting antioxidants
- Extreme Acai Berry offers a convenient source to consume acai
- No evidence that Extreme Acai Berry can help you lose weight
- Claims on website may be exaggerated
- Not approved by the FDA
- Not a long-term solution to weight loss
- Automatically enrolled in auto-shipment program upon signing up for the free trial offer
- Very difficult to reach a customer service representative
There is no specific information on the ingredients of Extreme Acai Berry.ADMINISTRATION
Extreme Acai Berry should be taken according to the directions on the product label.DIET and EXERCISE
There are no specific diet and exercise guidelines to follow while taking Extreme Acai Berry.CONCLUSION
Extreme Acai Berry is a wellness supplement that contains the very popular acai berry. But since the website contains scant information on exactly what is in the product, how to take it and whether or not you should follow any additional diet and exercise guidelines while taking the product, much caution should be exercised before purchasing this product. In addition, there have many complaints that communicating with a customer service representative is very difficult.
If you are currently taking any medication, speak with your doctor before taking Extreme Acai Berry.Common Misspellings
Extremely Acai, Extreme Acai, Extreme Acia BerryHow Does Extreme Acai Berry Compare?
- Product Name
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User Feedback(Page 1 of 3, 45 total comments)
did not receive order
I cant believe it this is a joke. I bought my trail at the start of April. It arrived on day 15 of the free trail and I was away. I got charged 19.95. Then a few days later I got charged another 79.95! Today I have now been told I will be charged a further 99 dollars!!
I have sent numerous emails stating I want to cancel. Demanding a contact number that works and Im getting no where.
Im starting to think they cant even read, cause I keep stating the same things. I am now at the point of banging my head on the wall. I will be phoning my bank and try and stop things at their end. But it still doesnt get me back the moeny that they have taken. I have nothing to show for it except the trial bottle. so it is a pretty dear trail bottle in the end.
If anybody knows what the number is for UK citizens please let me know, Im sick of hearing a dead tone. I get enough from the emails.
This is the ULTIMATE Rip Off. Do not buy it, I had no results what so ever and if anything GAINED weight and feel like I have been victemized. You try to call to cancel auto shipment and they tell you there is a 30 mintue wait. I am so upset about these PIRATES!
Thanks for letting me vent.
Just go jogging, drink water and eat more fiver !
This is a nightmare!
I purchased two products at the same time, the sweet tarts and the fiber powder do not work.
I was also a member of "Fit Factory," it is true! These guys are nice on the phone.
After this experience I don't want to purchase products via internet.
I'll be spending allot less speaking to a nutritionist and joining a gym.
This company was a rip off!!! I did not enter their order form from their site. I began the order from another site and never saw the disclosures on their site. It took me 2weeks to receive the "free trial" what a joke. The next day the full bottle arrived. My credit card company called to alert me the following day to a possible fraudulent charge. When I called them bac, they addressed this order, which was in a different name so I didn't at first know it was them until the credit card company told me and told me that was why they were calling me as many of their customers had complained. They charged me $89.00. To make a long story short, my credit card company denied the payment through dispute and they changed my card number as they said that this company was known to use other names to try and re-submit the charges. This has been a pain. To top that off, I took 3 of the free trial pills and they made me feel ill and hurt. I now take the real acai berry pill from my local health food store and it does make me feel better and I like it, but extreme acai berry pill is something else altogether. Their customer service is horrible to as I called them and tried to find out what other names they operated under and billed under and they would not tell me the truth nor easily agree to refund my money. As I said, I had to cancel my card and let the credit card compnany do an appeal. BAD DEAL and PRODUCT!!
When I ordered the free trial, I did not see anything that advised me that I would automatically be enrolled in other programs (what IS Price Limbo, anyway?) or that the monthly charge for this product would be $89.31 (outrageous). I had been on vacation, and when I returned found 2 shipments waiting for me. I called to cancel and say that I would be returning them. I was then told that they did not accept returns and did not give refunds. The other thing that really points to this being a scam is that the descriptions on my credit card statements for each charge are totally different. It is not obvious what you are being charged for. Though person I spoke with said I could not refuse the product, I am going to contact the Better Business Bureau and my credit card company. Do not order from these people.
*Not one of the ingredients listed on the bottle is even Acai (Dextrose, Vanilla Flavor, Wild Berry Flavor, Citric Acid, Carmine Color, Crospovidone NF, Magnesium, and Sucralose)! �??Wild Berry Flavor�?� is as close as you�??ll get. I took this mess, and was nauseous, and extremely bloated. When I stopped my stomach went back down. I feel like an idiot for taking �??Sweet Tarts�?� as a diet supplement. On top of that. They automatically pass your ordering information (including credit card number), and enroll you in products with other companies, place you on auto-ship which should have been the first clue it didn�??t work, and incorporate your shipping time as apart of your free 14 day trial. Which is a dirty trick they do not tell you when you order so they can charge your card before you know you�??re being charged. If you have to make someone buy your product every month, it probably isn�??t very effective. Not to mention how the website tries to make you believe their supplement is endorsed by Rachel Ray, ABC etc. When instead the actual Acai FRUIT that is what�??s endorsed not their pills.
The same happen to me. However, I threatened to report them the better business bureau and immediately refunded my charges. I also received a refund from the fit factory too. It took a couple of days to credited my account. I did not changed my accounts either. I guess it went so well for me because you all have been complaining too. I placed my order before Thanksgiving and the day after I noticed that I was charged 3.95, 89.90, and 29.99. I was received the 29.99 first and 89.90 a couple of days after. I also had a a challenging time reaching customer service.
The same happen to me. However, I threatened to report them the better business bureau and immediately refunded my charges. I also received a refund from the fit factory too. It took a couple of days to credited my account. I did not changed my accounts either. I guess it went so well for me because you all have been complaining too. I placed my order before Thanksgiving and the day after I noticed that I was charged 3.95, 89.90, and 29.99. I was received the 29.99 first and 89.90 a couple of days after. I also had a a challenging time reaching customer service.
You are all going to have to cancel your credit cards. They charged on mine and I turned them into the the fraud department. They are not going to get away with it with me!!
I ordered the trail product on Nov 28, and never received it. I receive the product that cost $89.13 on the Dec 17and they charged me on the Dec 13 for that bottle. They would not issue me a refund and they told me that I should have called between the trail period from the day that I called. Thats not right.
first page of www.extremeacaiberry.com:
I understand that by ordering Extreme Acaiberry, I am agreeing to receive Extreme Acaiberry for a free 14-day trial period (days of availability for actual usage could be less depending on shipping time) beginning on date of order. $3.95 (non-refundable) for S&P. I understand that unless I cancel by calling 1-877-350-8480 within this 14-day period, beginning on the 14th day my credit card will automatically be charged $92.58 (Free Shipping) for a 31 day supply of Extreme Acaiberry to be shipped at that time to my door.
Thereafter, until and unless I cancel, my credit card will automatically be charged an additional $92.58 every 31 days for a new supply of Extreme Acaiberry.
I understand that I may cancel any future shipments Monday through Friday by calling 1-877-350-8480. Our hours of operation are from 8am to 5pm MST. We do not accept returns on any products that have been shipped.
Extreme Acaiberry
4650 SW 51st Street
Suite 711
I ordered the trail sample off myspace in November. It did not arrive for over a month. Prior to the sample arriving I called the number shown on my credit card as billing me $3.95. An Indian robot answered and I could not understand her. I eventually had a backwoods that understands every human accent talk to her and she said we would not be charged. I looked at the ingredients and am not pleased. I do not want the full product and will be back to update the status.
This is the website i tried to use for a free trial that ended up costing me 44.85 , apperantly i somehow orderd Hoodiburst Gum and Hoodiawater Liquid Hoodia Extract which i have no recollection of doing! Than today i found a charge for Fit Factory, luckily my research on the web came up with a phone number 866-407-1022, where I basicly told the lady to take her scam and shove it, and she assured me i would get a refund on my next billing statement... this will come to the attention of authorities, i assure you
we sent off for a free trial was chared twice for shiping. and then before i recieved the bottle was charged 89.31 my account is so screwed up that we can barely keep our head above water. it took them a month to send he product . and then the very next day i recieved a 30 day supply. and am still havving charges appear on our account. we have cancelled our debit card, and our bank says they will put the money back into our account. and they are investigtting the company. i also startted recieving phone calls from other companys that said they had gotten my card number from another company. and this is the only company i have ever ordered on line from. will never order on line again.
Hello I was ripped off too only it was Vital Acai sold by Supreme Brands. The Website is supremeone.com. It has several links for different products on it. Click The VItal Acai link and it takes you to another website to order the product from. My husband did a little research on it for me. Both the websites are linked together and they are both registered to the same domain name! The domain name is registered to someone on Texas but the so called company address ins in California! This freaks me out because I got a call a woman in Texas asking about the product. That really puzzeled me. Finally the woman told me that my cell phone number was listed under the Supreme Brand name! This has really got me worrying! I have saved that number in my phone just in case I need it. Anyway the Supreme Brands/ Vital Acai domain names are registered with a company called GKG. They advertise their domain names as low as 2.99. So apparently Supreme Brands is probably not a real company but some loser guy sitting around in apartment somewhere ripping people off! I was charged 78.91 after a I recieved my "free trial". I did not authorize it and I am angry! I have changed my card number and called my cc company to dispute charges. I have also reported Supreme BRands/Vital Acai to the Sandiego Business Bureau. If anyone else has tried VItal Acai and had this happen to them please email me at . I'm angry and I'm ready to do everything in my power to take this and other companies like it down. Please Please we have got to start a group or something. We all need justice. This should not have happened to any of us. WE don't have to take this crap. Too many people throughout the US have complaints about this.
OMG I can belive it I feel so stupid by ordering the free trial...but I cancel my debit card just on time....it is a fraud I call like 10 different numbers discontinued or busy and the one they answered mea lady said she had no info on me when she did of course and hang up on me...I regret ordering the Acai but I learned my lesson....someone said you can get acai at Target is that ture??I'm really mad at this and the freaking vickysblog page it doesn't exist anymore....CLOSE YOU CREDIT OR DEbIT CARD IMMEDIATELY!!!
The only problem I had with this company was that it took them way too long to send me my free bottle. I called and cancelled my account 3 days before the trial ended and I had no problem. In the other hand, I recently received my bottle and will give it a try. For those who are having a problem with cancellation, go back to the ordering process and 2 separate numbers will be included in the fine prints for cancellation if you ordered the acai berry and the cleansing. That was the number I used, I was on hold for about 5 minutes and the rep cancelled my order, of course, after they tried to keep me as a customer. But I simply refused and continued with the cancellation. Hope this helps.
I cannot reach the telephone numbers they provided, I want to cancel, what do I do? Please help!
I am in the UK and the same thing happened to me. I received the trial yesterday (which was the 14th day). I made the order on the 3rd Nov 08 and they only shipped it out 10 days later. I tried the online cancellation but it don't have the right link.
I will be pursuing this as i paid for a free trial and will not be charged for the full 30 day when i didn't even get the trial before they charged me (charged me on the 13th day of the free trial too...). This makes the Terms and Conditions null and void in my view. I paid for a free trial which i did NOT get. I finally spoke to someone after trying 4 times, the person didn't speak very good english and i spent 10 mins spelling out my name to him. I was told that my credit card would be refunded after 14 working days but i have read that no-one has ever received a refund from your company. This was all after i was offered 'deals' to keep me joined. I have just received the 31 day supply and have returned it to the address on the label. I just want to know that i will be refunded for this and that my details have not be sold to other companies who are now scamming me for money i don't even know about!
Featured Diets and Supplements
Related Diets: MonaVie, Acai, Acai Berry Blast, Acai Berry Boom, Acai Berry Power 500, Acai Berry Supreme, Acai Berry Wonder, Acai Green Tea Fusion, Acai Slim, Acai-aSlim, Extreme Acai Pom, POMx, Pure Acai Berry, Vital Acai, Viva Acai, Acai Easy Drink Pack, Acai Roots, Sambazon Acai
Extreme Acai Berry?


text:
- Oh, someone had asked me about this in email, so I wanted to point out that there is Ile-Rien fanfic: there's a fan-run LJ community ilerien and there's some in this archive here. (My policy on fanfic is that I can't say that I'll read it, but I'm totally cool with it and I think it's a fantastic compliment when people do it.)
(no subject)
February 4th, 2009


text:
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text:
briggs help!
i have a 6.5hp briggs intek. im looking to get some more ponys out of it. does anyone know what i should do? im going to shave the head down but i dont know how much . thanks for the help
Shaving the head should increase compression a bit.....thus more HP.....
Go to this link.....
B&S Engine Club
I am guessing the intek is still a sidevalve engine. If it is, shaving the head as well as cleaning up the ports will help. A word of caution regarding milling the head...too much will cause the valves to touch the head, I discovered that as a teenager. Took a while to trace it down, but cure the problem with clearancing the head around the valves. The combination did 2 things, most likely cause some flow restriction and secondly, after milling the head(actually, lapping as we did Motorcycle heads) so much to bump compression, I probably lost a considerable amount when cutting for valve head clearance. I could have probably generated more power with a less shave and not notching the head. They,like flathead Fords,benefit from "relieveing" around the valves and to the cylinder. If the intek is an overhead valve...most of what I posted will be useless.
hot briggs
I worked with the nephew of Bus Schaller who did the camshafts for Mickey Thompson's Indy cars... they set some motorcycle records at bonneville... george pulled 19 HP out of a 5 hp briggs...george made a new con rod out of a 1 inch aluminum plate, drilled and crossed and put a dipper on it. I don't remember if he made a new head or just milled and did valve clearance ...ported and relieved the block like they did on old ford flat heads ..You grind an air channel in the top of the block and round the side of the top of the cylinder so the air flow is smothed.. just don't go below the ring heigth unless you pin the rings so they won't rotate. George coppied the cam profile he wanted from a hot 2 liter ford 4 he had. he used a degree wheel and dial indicator to graph it out then marked the Briggs cam with machinisrts die and started on a bench grinder grinding and checking then smothed the profile with a belt sander .. when he was done he took it into the Ford factory and had a machinist.. heat it and either nitride or the casinite it. You can buy casinite in a can, heat the cam and cover it with the powder and bake it... then a slow cool down... and hope it doesn't warp. I don't know if he used a different piston or not. ..he used some motorcycle valves and springs. He made a new intake pipe and used a small motorcycle carb. I think it was a mikiuni ? It pulled 19 HP at the gocart shop and surprised a lot of people when his kids were racing.
safe as any other sideshaft- bump the compression up to ablout 11:1, port the head, bigger carb, bigger cam, stiffer springs, exhaust pipe.
"For walk-behind mowers, Briggs & Stratton engine sizes typically range
from 4.50 to 8.75 gross torque. For riding mowers the sizes typically range
from 10.5 to 26.0 gross horsepower"
When we were racing go-karts years ago, some of us dads got together and formed an outlaw class for ourselves using the 8-horse block. (This is back in the day when Briggs rated these small motors by hp, not by torque like they do now). Most of us were old enough to have lived through the flathead "hop-up" era, so we fiddled around with using a rotary grinder mounted with a burr for cutting aluminum and JB Weld to re-contour the intake port in the block. Using a D shape in the port will help flow. The flat part of the D should be on the short turn radius.
We relieved the blocks down to the top of the top ring with the piston at TDC. Using a layer of clay on the underside of the head and turning the motor through a cycle will tell you exactly where to cut the head for valve clearance when shaving the head. Cut a relief in the head so that the valve sinks into it at full lift. It's hard to explain without a picture, but if you envision holding the head in front of you, you could drop a thin coin the size of the valve head into the relief and it would fill the relief back to the surface of the combustion chamber. Cut the relief just deep enough to provide a few thousandths clearance between the face of the valve and the head at full lift.
You can more than likely buy hot rod cams for them off the shelf now, but back then, we mounted the cam up in a vise and twisted it to a few degrees retard to give the motor more top end. Looking through valve spring specs from a TRW catalog yielded a stronger spring that would drop in.
We used to use a much larger Walbro pumper carb that was converted to use alcohol. Yeee-haw.
Last edited by techinspector1; 12-27-2008 at 03:10 PM.
this engine is off a pressure washer. im going to use it for a 10ft fan boat. it says 6.5hp on the side of the motor and is a ohv. i have a 6.5 on the boat now and it just a little to slow for me. i was thinking that if i get a fue more ponys out of it the boat will go better. but i dont know how much to take off the head? .010-.015-.020????
Get some brass shim sheet and lay the stock head gasket on it and scribe the pattern onto the brass punch out the holes and lightly tap the new gasket with a dimpled shrinking hammer and dimple it .Install this with some head gasket silicone and it will get you some extra compression.
I have used this method of making a head gasket for some riding lawnmower engines we raced around the yard.
Also is your boat belt or chain driven? You could change the gearing or pullys possibly.
I attached a picture of the stuff you do the head gasket with try to find the thinnest brass sheet.
Last edited by chlsnk; 12-27-2008 at 07:37 PM.
you can buy a lot of off the shelf parts for these engines... not as much as the 5hp briggs, but not bad. I prefer the GX200 clones- just because its fun to make power on the SUPER cheap. you can pick thos engines up from harbor frieght for $130 new, add $20 in springs, a $25 piston, a $50 cam, a $30 carb and some work bench time and you can double the power.
This forum really isn't for sideshafts- i suggest looking into gocart racing forums. the principles remain the same but the application changes some when you drop to about 4% of a typical SBC...
bus schaller
Woodz428.... Google mickey thompson schaller camshafts. or talk to bus's son about george green's projects or the old hotrod magazine about the 63 indy race. bus made a lot of HP from single cyl engines.
I remember when I was at the Briggs & Stratton tech school when the Intek
design engine came out. We stripped them down to nuts and bolts and then put them back together.
IMO I thought they looked pretty weak all around, so I wouldn't try increasing
compression if it were me. (may chunk a rod)
Cleaning up the ports to increase flow, and advancing the timing with a coil bracket should boost the power.
If you do try to shave the head, remember to check the valves to make sure
they don't hit the piston.
Check out the local mower shops, you might find a good deal on a bigger engine.
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text:
RIP Brother.
This is a discussion on Rest In Peace ~ Officer Jonathan A.J. Schroeder within the Law Enforcement, Military & Homeland Security Discussion forums, part of the Related Topics category; http://www.newsnet5.com/news/9766935/detail.html I have no words right now. :( CW...
I have no words right now. :(
RIP Brother.
"A lie gets halfway around the world before the truth has a chance to get its pants on."
- Sir Winston Churchill
No idea who actually wrote this, but it sure is a powerful piece:I hope his killer gets a swift, speedy, scrupulously fair trial, followed by a nice lethal injection.
"A Part of America Died"
Somebody killed a Policeman today and
A part of America died.
A piece of our country he swore to protect
Will be buried with him at his side
The suspect who shot him will stand up in court,
With counsel demanding his rights
While a young widowed mother must work for her kids'
And spend many long, lonely nights.
The beat that he walked was a battlefield too,
Just as if he'd gone off to war.
Though the flag of our nation won't fly at half mast,
To his name they will add a gold star.
Yep, somebody killed a policeman today,
In your town or mine
While we slept in comfort behind our locked doors,
A cop put his life on the line.
Now his ghost walks a beat on a dark city street,
And he stands at each new rookie's side
He answered the call, of himself gave his all
And a part of America died.
Battle Plan (n) - a list of things that aren't going to happen if you are attacked.
Blame it on Sixto - now that is a viable plan.
Learning to shoot again : Starting Over
That is sad and on top of a tragic death - "...leaves behind his wife, Amy, and his 8-month-old son, Eric." It breaks your heart.
I noted this line with disgust from the article:So since the criminal justice system let this lowlife scumbag (rest of comments redacted, if I said what I truly thought of the killer, I'd get banned) back out into society, Officer Schroder lost his life.He has an extensive criminal history involving weapons and assault, officials said.
His family has to go on without him.
And once again, strong, brave men and women will line up and weep quietly to the sound of Amazing Grace on the bagpipes.
(God, how I hate the sound of Amazing Grace on the bagpipes. I used to tell the piper in the honor guard in our department that I would come back and a squirrel and run up the kilt....)
Sincere condolences to his family and department.
What a senseless waste.
Battle Plan (n) - a list of things that aren't going to happen if you are attacked.
Blame it on Sixto - now that is a viable plan.
Learning to shoot again : Starting Over
Damn - just damn! What a tragic waste and heartfelt condolences to his family.
This is not the first time body armor's weak spot led to a death. A very sad quirk of fate.
Matt - thx for posting those powerful prose words.
Chris - P95
NRA Certified Instructor & NRA Life Member.
"To own a gun and assume that you are armed
is like owning a piano and assuming that you are a musician!."
http://www.rkba-2a.com/ - a portal for 2A links, articles and some videos.
I just read the story.
The World Lost A Great Law Enforcement Officer.
Rest In Peace.
Liberty Over Tyranny Μολὼν λαβέ
I hope his killer gets a swift, speedy, scrupulously fair trial, followed by a nice lethal injection.
It is unfortunate he didnt receive a lead injection, but I guess potassium chlorate will do the same.
Rest in Peace Officer, your detail is ready in Heaven.
Fear No Evil.
Looks like a LEO friend of mine from back in VA. Wow. Completely tragic. Does anyone know if they still hang people in OH?
The Gunsite Blog
ITFT / Quick Kill Review"It is enough to note, as we have observed, that the American people have considered the handgun to be the quintessential self-defense weapon." - Justice Scalia, SCOTUS - DC v Heller - 26 JUN 2008
I am very tired of BG's with these long lists of convictions...and they can still be on the streets. "Liberal Judges"
I hope his family can stay strong!
I can say no more!
Proverbs 27:12 says: The prudent see danger and take refuge, but the simple keep going and suffer for it.
Certified Glock Armorer
NRA Life Member
Prayers for the family.
EOD - Initial success or total failure
"It is not how these officers died that made them heroes. It is how they lived."--Inscription on the National Law Enforcement Officers Memorial, Washington, DC
Rest in peace, Officer Schroeder. Prayers for comfort and strength for his family and friends who are left behind.
Hope for swift justice for his murderer.
We do have the death penalty in Ohio. Living here in Cleveland and having grown up not far from where this happened it really hits home. Crime is on the rise. Cleveland was just voted one of the poorest cities in the country.
RIP....God bless those you left behind.
If anyone wants to leave some words in his memory:
USAF: Loving Our Obscene Amenities Since 1947
Rest in Peace Vallent Officer.
When you accept mediocrity you sow the seeds for future failure.
One should never confuse good fortune with good training.
Illegitimus Non Carborundum. In God we trust.


text:
A new HotShots release is available !
DiffImg 2.2.0 is out!
DiffImg 2.1.0 is out!
A new bugfix release of DiffImg is out !
the only novelty is the addition of a "--portable" option to use DiffImg in a portable way. Have a look !
Final 2.0.0 of SyncWall is out!
HotShots has been updated !
2.0.1 bugfix release of HotShots is out !
Official HotShots 2.0.0 is out !
Available on SourceForge here (http://sourceforge.net/projects/hotshots/files/2.0.0/)
A pre-release of HotShots 2.0 is out !
Available on SourceForge here (http://sourceforge.net/projects/hotshots/files/2.0beta1/)
DiffImg 2.0 has a new bugfix release !
* Features:
- ability to add a comment on loaded images
- ability to display difference histogram with or without zero level
- Add Chinese translation. Thanks to mikechang.
- Add Romanian translation. Thanks to Jaff.
- Add German translation. Thanks to sixforone.
* Bugs
- find the correct path for translation files on linux in some cases
- incorrect display on multiple screen configuration in some cases
- incorrect display of splashscreen on linux in some cases
Please test it and send feedback !