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Money Management
Money lent to individuals or businesses in return for interest in addition to repayment of principal. Common types of loans include commercial loans, interbank loans, mortgage loans, and consumer loans.
Auto Loans and Financing
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Why would your carburetor keep getting blocked?
Is it possible you're getting carburetor icing? This is common in cooler, humid weather after maybe five or ten minutes. The power falls off, runs rough and chuggy, slowly chokes up, requires 15 minutes to thaw barrels out again. Just a possibility. Could be preheat hose or vacuum line/switch. Repla…
Popularity: 146
What is the best way to pay for room and board at college?
Paying for Room and Board at College Here are some things to consider when trying to come up with a plan to pay for room and board at college: Inexpensive schools - State schools in your state are going to be less expensive than private schools and moving out of state for school. Note that often a…
Popularity: 201
Can you receive a student loan for off campus housing that does not have to be paid back until you are out of school?
Yes you can use private student loans for anything but be sure and pay your school expenses first! Federal loans normally don't cover all of your education expenses so it will be harder to use those!
Popularity: 162
How can you trade a car that is worth less than the balance of the loan?
One thing to keep in mind is a lease, most new cars are allowed to finance more than the new car is worth I.E. our dealership can finance 115% of the new cars MSRP note that you can by a car well below MSRP there for hiding your neg balance keep in mind this is carried over into the next loan so you…
Popularity: 243
If you want to sell a 3 year old car that you are still paying for versus trading in should you apply for a loan to pay off the car loan?
I wouldn't. Contact the bank who you have the loan with before you try selling the car so you can get all of the details about how to handle the pay-off when you sell it.Find out what car dealers don't want you to know at www.dealertricks.com
Popularity: 202
What can a cosigner do to get released from a car sale contract?
You do not have to go through a different lender. Many lending institutions have a program called "release of responsibility". They will require that you apply with them and will make sure that you are credit worthy and budget for the payment. If you do not qualify, you may want to try to re-finance…
Popularity: 216
Is it wise to get a home equity loan to buy a new car?
Answer No. Home equity loans are revolving credit lines. In simple terms, that means you could pay on that for three years and not even touch the principal. I wouldn't do it. Maybe rolling it into a consolidation loan if you have enough equity in your home, but not a HELOC. Answer No. You want…
Popularity: 206
How can you figure out if the quoted APR and payment are correct?
The only way I know is to buy a calculator that can figure interest rates. If you have a friend who is an engineer he probably has one.You can also keep the math simple. If you were to finance a vehicle for $12,000 @ 60mo with no interest or 0% your payments would be $200 a month. At $18,000 they wo…
Popularity: 105
If you signed a purchase contract stating that the buyer would finance can you cancel the contract if you can't get a loan?
It depends upon the specific terms and conditions of the contract. If the contract simply states it is the buyer's obligation to secure financing, then you can NOT cancel the contract. If the contract states that the agreement is conditional upon the buyer's ability to secure a loan, then you CAN ca…
Popularity: 73
Can you sell a car that you have a loan on by giving the car to the buyer using his money to pay off the loan and then mail him the title?
Yes you can sell your car that has a loan it. The easiest thing to do is if you sell it locally and you have the car financed at your local bank, have the buyer go with you to your bank. Pay of the car with what you sold it for. The bank usually has the title to your car. They will pull your title f…
Popularity: 84
If the dealer has changed the terms of a loan after 5 days can the car be returned?
Yes. If the dealer is trying to change the terms of the sale, then the sale is not final and you should be able to get out of the deal.Find out what car dealers don't want you to know at www.dealertricks.com
Popularity: 78
Do you have any recourse if you told the dealer what bank you wanted to finance the car but he tried to place your loan with other companies?
When you place a credit application at a dealer's place of business, he can use it any way he wishes. He can get your credit report for himself, or shop your loan to other banks where he makes a kickback (known as dealer reserve) as well as contact your bank.Most custormers do not mind this practice…
Popularity: 60
If you make a down payment in the middle of the month and want your payments near the end of each month do you have to make a payment that month?
Talk to the lender to see if you can move your paments up to the end of the month. This would be undertandable enough for them, and they would probably go along with it. Make sure you get it in writing, though.
Popularity: 44
If the dealer lets you take the car home but the loan is not approved can you back out of the deal?
Absolutely. This is a technique dealers use to get you emotionally attached to the car. Take it home, show your friends. Then they tell you the loan is turned down, but they can get you approved at a higher rate. They think that since you already showed everyone your new car, you'll pay the higher r…
Popularity: 41
What if the seller refuses to take the car back?
%DETAILS% Answer Park the RV in a high traffic area, with permission of the landlord, with huge signs that read: I bought this lemon at such and such dealership. They hate negative publicity and will usually do something just to avoid further negative publicity. Call the dealership and tell the…
Popularity: 190
If two people are on the title of an automobile how can one of them be removed and BOTH parties agree?
If the names are joined with "OR" or "AND/OR", either can go to the DMV and have the title changed. If there is just an "AND", they will both have to sign.
Popularity: 50
What happens if a used car seller has paid off their loan but not received the title yet?
Keep bothering them. If you haven't received the title after about 90 days, then something has to be wrong.
Popularity: 61
Can you return a pre-owned car to the dealer after one year of use if you are unable to continue the auto loan payments?
The dealer has nothing to do with the car unless he financed it himself. Do not do this! Figure something else out. Get someone to take over the payments, sell the car and pay the loan off, re-negotiate the loan. Do whatever it takes to keep your good credit. If you return the car to whoever holds t…
Popularity: 48
If an agent takes your payment but fails to renew your policy is he entitled to keep your money?
Premium Payments No, Under no circumstances may an insurer or agent thereof intentionally "keep" your unearned premium payment. This would be a violation of the agents fuduciary obligations to the insured. However, if there was an outstanding balance due on your previous policy, then they are allowe…
Popularity: 176
Can a person be primary driver of an auto and not primary on another that they have a loan on?
List your wife and daughter as primary drivers of the cars they regularly drive and occasional drivers of others. If the company finds that you have been lying to them when you have a claim, you may discover that YOU HAVE NO COVERAGE and all the premiums you have paid were just a gift to the company…
Popularity: 118
If you are making loan payments on a car but never drive it do you still need insurance?
If your lender requires you to have insurance during the loan period, then yes. Also. If you are driving , then yes. If the vehicle is not on the road being driven, then no. But, know that if you just drive the vehicle to your next door neighbor's house and you have an accident (collision), then you…
Popularity: 90
Can your daughter provide insurance for a car if the loan and the registration are in your name?
There are so many potential scenarios in this situation.Are you wishing to insure it via the daughter because she has a better record, thus better rates? That would, of course, be considered fraud, and is not advised. Additionally, they are going to rate the policy based on all drivers in the house,…
Popularity: 109
If you are 16 and have had your learner's permit for a year and get your license can you buy auto insurance without a parent co-signing?
No standard company will write a separate policy for a 16 yr old driver. Youthfuls need to be experienced with their own credit and stability to obtain their own policy. It is not cost effective either. The rule is that until the age of 25, most drivers will not get a prefered rate.So in short, the …
Popularity: 53
Can you be covered by your parents' policy if you are over 18 live with your parents out of high school and the car is registered in your name?
Yes, I have two children over 18 and under 25 who are currently on my insurance. You must go to their insurance company and give them your name etc and they will tell you how much more it is. Beware, if your parents insurance lapses or is canx, you will not have insurance either.
Popularity: 44
If the lender has forced insurance on a loan does it cover you if you get stopped?
NO, NO, and NO. It ONLY covers the LENDER for the amount owing oon your loan. if you would be nice enough to TOTAL the car, the lender would be happy. Good Luck and BE SAFE
Popularity: 55
How can you repair your credit after a car repossession?
I have declared bankruptcy which included a vehicle re-possession and thank God, I now have great credit again! So good in fact, that I have three credit cards! This process will take at least ten years, but if you are in real trouble and have no other way out, it does work. Your first step is to a…
Popularity: 748
Does it still hurt your credit if your car was repossessed but you then paid off the loan in full?
Yes - but before you pay it off in full you can try get the finanance company to change what it says on your credit bureau by holding the payoff money up in their face - I would get any promises in writing.After you pay it off - your credit bureau says Repoed then paid off. It could look to another …
Popularity: 246
Can a vehicle get repossessed if your first payment is 15 days late?
Read the fine print of your contract carefully. I have never heard of a vehicle leasing/purchasing contract NOT having a first payment default clause.
Popularity: 120
How bad is it for your credit to have a leased car voluntarily repossessed?
My car is about to be repossessed. I spoke to the lender who has the second mortgage on our house concerning how bad this would be on my credit report. This particular lender is CitiFinancial. I was told that car payments are not looked at as crucially as credit cards, rent or mortgage payments, and…
Popularity: 243
Can you refinance your loan instead of letting it be repossessed?
yes - as long as she get's them the money to pay it off any way - before they get the car she will be ok - she can trade it in, pay it off with cash, refinance it, etc. The trouble is if she is behind on the payment, other auto lenders are probably not going to want to lend her money on another car.…
Popularity: 106
How can you get a repossessed car back without paying off the debt in full?
You must get the finance company to agree to terms. You can't get the car back by any means other than getting the finance company to agree to something. You do have a certain # of days to pay it off in full, but after than and other than that, it's their car. I filed bankruptcy, Chp 13, 2days af…
Popularity: 230
Can you repossess the car if payments aren't made on a private loan?
It depends, if you did not have a security agreement on the loan, and if you didn�t file for a new title with your loan on it, you can�t enforce a repo (this is for Colorado, but it is similar for other states). It seems to be that you need to go to court, and prove to the court that you have a …
Popularity: 107
If the principal is paid in full and the only payments left are interest from late charges can they repossess your car?
%DETAILS% YES. Not usually. In New Jersey if you have more than 90 % equity in the vehicle they can no longer take the car. BUT they can still damage your credit for 7 years and try to collect in court. In practice they almost always damage credit with a chargeoff or a closing of the acc…
Popularity: 102
Is repossession of a leased vehicle the same as one you get a loan for?
In my experience, a lease and a loan repossession are the same - I had a voluntary repo where I brought the car back to them with keys, and just got a car with loan repossessed and they do the same process with both, and yes, you are responsible for paying any unpaid amounts. In my situation they w…
Popularity: 66
Can a loan company place a lien on a cosigner's home?
They cant legally "threaten" to do do anything that they cant legally do, so the answer is YES, they can attach your home.
Popularity: 105
Are you responsible for loan balances after repossession?
In MOST cases, you are responsible for the BALANCE DUE. Read the contract you signed to find out more on it. It is NOT something you want to forget about. lenders do get judgments for the balance and do collect them. Your responsible to pay back the loan, plus all accumulated interest, fees, costs …
Popularity: 240
Can a private person have a car repossessed?
%DETAILS% Yes a private person can have a car repo'd but if the car was stolen like you stated then you must report this to your local police and let the piece of trash that stole it go to jail. Yes, you can have a car repoed. BUT if its been 'stolen" as you posted, wouldn't that be pu…
Popularity: 70
Is the cosigner responsible if the bank repossessed the loan without notifying them first?
I believe you have 3 choices. 1. Pay the loan off.2. Do the B/K route.3. Make sure the lender can find the primary debtor so they can get the money from s/he. If they had any money to start with, you wouldn't have had to co-sign, rite? BUT it is TAX time, maybe they will help you with their refund.…
Popularity: 104
What can you do if the cosigner will not pay?
The lender must take both the primary and the co-signer to court and obtain a judgment lien. The judgment lien can then be used to seize any property that could be sold to pay the debt.
Popularity: 99
Can the cosigners spouse get charged?
YES the lender can garnishee the co-signor (NOT co-signors spouse) as well as the signor. Just as the lender CANT garnishee your spouses wages. ONLY those signors of the contract are subject to any collection activities.
Popularity: 66
Is the co-signer responsible if primary is deceased?
%DETAILS% Answer Debbie, I'm sorry that you lost your brother. Your parents are responsible for the balance due on the bike UNLESS there was life ins. on the loan to cover it. Their best option is to (borrow the money to) PAYOFF the loan NOW. Avoid any more interest and/or FEES. Next option.…
Popularity: 58
Can lender report vehicle stolen during the repossession process?
%DETAILS% joe, think about it. YOU are the owner, they are the lender. OWNERS report cars stolen. Some of those lying,cheatin,lowdown repo people will tell you its reported stolen to try to get you to GIVE IT UP. IF its REALLY stolen, YOU(the owner) should report it stolen to help the lender out.…
Popularity: 94
Is it extremely difficult to get another car if you've had your car repossessed?
Anon, It depends on how much you put as down payment and how HIGH an interest rate you are willing to pay. There are SUB PRIME lenders in every market waiting for you. Good Luck
Popularity: 81
If a vehicle is repossessed is a cosigner responsible for 100 percent of the balance?
Jason, you are just as responsible as the signor. Think about it, you knew the signor's credit wasnt good or you wouldn't have needed to co-sign. When you co-sign, you are saying "if they don't pay this loan,I WILL". Make sure the lender knows where the the whereabouts of the signor and how to get …
Popularity: 109
How can you find out if your car is going to be repossessed?
call the LENDER and get it straight. If you are current, they need to CLOSE the acct. with the repo co.
Popularity: 56
Can a loan company take a newly financed car in your name as collateral toward the balance of a loan for a car that was repossessed a few years ago?
Nelson, they would have a couple of real goofy options.1. they could refinance the new car and include the balance of the old loan for a HUGE total.2. they could be the SECOND leinholder on the new car somehow. I guess they would have to loan you money to pay the old balance and take the new car as …
Popularity: 51
Should the lender tell you where your repossessed car will be sold so you can buy it back?
It is not required. However, if you do discover where the vehicle is to be sold, provided it is close enough for you to travel, you can attend if it is a public auction as opposed to a dealer aution, and you bid like everyone else. Now, that being said, it seems it would be much easier for you to …
Popularity: 70
Can a cosigner repossess a car if the primary borrower stops making payments?
Ask the LENDER can they remove the non-paying signor from the title and the loan so you can take custody of the car. Otherwise, unless you are listed on the TITLE as co-owner, NO.
Popularity: 57
If you still owe money on a car after a repossession is there a time limit for how long the loan company has to collect it?
check the SOL in your state. Usually 7-10 yrs. but the judgments get renewed so it goes on and on like an Energizer bunny...
Popularity: 57
How do you pay back the loan company after your car has been repossessed?
%DETAILS% nan, it depends on what you and the LENDER agree on. You agreed to pay them so much a month before and didnt manage to do it, sooo they will be tougher the next time around. I got a different loan to pay off the first loan, the interest was a little higher, but I figured I woul…
Popularity: 50
How far behind do the payments have to be before the lender can start repossession?
%DETAILS% READ your contract. When you are in DEFAULT, they can repo. Legally only one day, but most lenders will work with you if possible. to whom it may concern, I co-signed for someone and they coundn't make the payments. I got laid off and i couldn't make the payments. I am now curr…
Popularity: 68
How long to you have to pay back what you owe after your car has been sold at repossession?
Well after I got my car repoed it took me till Oct of the same yr to pay the lender off with a new charge off amount repoed in April 2003 paid in full Oct 2003 on my Credit Report it shows as a charge off. I paid it off in 6 months I refinanced my home to pay off he difference. In between time I had…
Popularity: 69
If a car was voluntarily repossessed after an accident should the insurance company have paid off the loan completely?
The best way to find out is to READ THE POLICY. What does it cover?? Was it GAP insurance or regular auto ins.? Ask your ins. agent to explain the coverages.
Popularity: 43
Can a car be repossessed if the title work has not yet been completed and whose credit would the repo affect?
Yes it can and will effect your credit
Popularity: 58
If your car is repossessed and you pay off the balance in full to get the car back is the 3-year factory warranty still in effect?
Repossession normally doesnt effect the warranty unless there is some clause in the contract stating otherwise, as long as the title stays in the same name(original warrantee)
Popularity: 51
How bad does it affect the cosigner's credit if the borrower has the car voluntarily repossessed?
It has the same effect on the credit.
Popularity: 94
If you are divorced but your name is on the title of a home with your ex-husband can a bank put a lien on the home if you default on an unrelated auto loan?
the answer is yes they can,the question is why is your name still on the title after the divorce are you keeping the property together as a rental?you can go to your local county recorders office and see what liens you have on the property,the only ones that are always there is the mortgage company …
Popularity: 116
Will Chase Auto repo a car with a 390 dollar balance on a 20K loan that is in collections or will they charge it off?
%REPLIES% Answer You are asking three questions in one, let me give you the answers to the best of my knowledge. 1. Can the lender "legally" repo the car with only a $390 balance? Answer: Yes they can. 2. Will the lender actually repo the car? Answer: Only as a last resort. They will try an…
Popularity: 56
Can you voluntarily give back a car just purchased before any money is paid on it?
Check with the dealer where you bought it. Some local dealers in my area will take it back before 30days.
Popularity: 68
Can a vehicle be repossessed because the payment is 15 days late after 4 years of payments and only 3000 dollars owed?
If you are in DEFAULT of the contract, the collateral can be repoed.
Popularity: 39
Do you still have to pay part of the loan depending on the value of the car if it is repossessed in California?
YES, you pay all the loan amount, sooner or later.
Popularity: 40
If your car's repossessed and they take it to an auction do you have to pay anything and how long will it be on your credit?
You dont HAVE to pay anything. You may not get credit in the future because you dont pay. It will be on your CR usually for 7 years. Depending on where you live, if the lender gets a judgement, they could garnishee your wages.
Popularity: 64
Can you as cosigner repossess your child's car when payments aren't made?
ONLY if your name is on the TITLE as co-owner or leinholder can you "repo" the car.
Popularity: 63
What are the consequences for you if a car that is going to be repossessed is inside your garage but is not your car?
In some states it is a crime to concele mortgaged property. You can go to jail for up to a year if convicted. The finance company must want to persue this first. My opinion? Give it up and don't get involved. He didnt pay and has no right to keep it. You signed as "a good friend", so thi…
Popularity: 46
If an ex wife takes a car with her name on the loan and does not make the payments can the bank give it back to the husband so he can pay for it?
IF her name is on the TITLE, she can take it. IF the husband is on the loan, he can make whatever arrangements he and the LENDER agree to.
Popularity: 51
If a car was repossessed and the loan was immediately paid off how do you get the repossession off of your credit report?
Getting it off SHOULD have been part of the deal when you paid it off. that's when you had the most leverage with the lender who put it on there. Now.... contact an attorney buy your chances are slim. The repo was a fact, not an error that can be corrected. Good Luck
Popularity: 46
If you do not pay the down payment to the dealership within the agreed upon 30 days can they repossess your car?
Mike, READ the contract you signed agreeing to do certain things in exchange for a car. What does it say about if you are in DEFAULT? If you dont perform any one of the conditions of your loan, they you are in default and can be repoed.
Popularity: 50
If your car is repossessed and they auction it do you have to pay the amount that they tell you is leftover on the loan?
Melissa, what does your contract say?? It also depends on what state you are in. Usually, YES, you do have to pay.
Popularity: 65
If you reinstate the loan within five business days will your credit not be affected by the repossession?
Mea, dont be snowballed by yo lender. A repo is a repo. IF you or your Dad were worried about his credit, chances are that it would not have gotten to repo stage. Anyway, the lender calls the shots on reporting repos to credit bureaus, so, play their game. Go get yo car and see if it shows up. Good …
Popularity: 46
After a car has been repossessed and auctioned off what are the consumer's rights regarding payment of the negative balance owed after the vehicle is auctioned?
Very simple really,you have the right to pay it. If you don't pay it, the lender will likely seek a judgment against you. If successful, they will proceed with any other legal remedies available to collect. Those include garnishemnt of your wages, lien against other property you own, etc. You can ma…
Popularity: 52
Does your partial downpayment have to be returned to you if you never paid the balance and the dealer repossessed the car a few weeks after purchase?
NOT unless the contract stipulates that it will be. Otherwise, it is a contract in DEFAULT with the collateral in the lenders possession.
Popularity: 29
What do you do when you have low income and have already voluntarily lost a car?
%DETAILS% Answer NO, NO, NO. America did away with debtors prisons in the early 60's. LOL. Your credit will be terrible, you will pay higher interest rates for whatever credit you do get. They may even garnish 25% of that paycheck you live from and to. But you will live. Don't give up.
Popularity: 46
How long do you have to pay off the balance after your repossessed car is sold?
this sounds soooo simple. UNTIL you get it payed off or discharged by B/K. Lenders will sometimes accept a CASH offer, so keep that in mind at refund time. B/K will clear off the debt but your already bad credit will be even worse by doing so. Try to pay something on a regular basis if possible. Goo…
Popularity: 54
If you must voluntarily have your car repossessed due to an upside down loan what effects will this have on trying to get a home loan in two years?
Carly, it can affect what interest rate you pay(HIGHER THAN NORMAL), how much you have to pay down to even get a loan. It is NOT a positive thing to have on your CR.
Popularity: 38
If you return your car to the lender are you still responsible to keep paying the loan?
Heidi, as a general rule, YES. You are responsible for the UNPAID balance due on the loan. Example, you owe 5000.00, car gets sold for 2500.00, you owe 2500.00 plus fees.Good Luck
Popularity: 51
Do they expect you to pay for the car's remaining balance with a voluntary repo if you turn it in and do not want it back?
The bank doesn't want the car either. It will probably be sold at auction to a dealer for the WHOLESALE price. You will still owe the difference between what you owed and what they get PLUS their expenses.Banks are in the MONEY biz not the CAR biz. Yes, they will get $$$$ but not enogh, so naturally…
Popularity: 36
If a loan is satisfied and the credit union faxes a release to the repo man how long does he have to release your vehicle?
BUSINESS HOURS are business hours. Usually 9-5 Mon-thru Fri. BUT, a lot depends on your attitude. NICE people usually get better results than grouchy people. Also, please remember that repo people have lives to. Its all good.
Popularity: 46
Is it legal for the bank to make you requalify for the loan after repossession?
I didnt answer because I have never dealt with this b4. I hoped someone with experience would help you. From the banks viewpoint, I can see why they would want you to. But, your defense would be, does the contract you signed say anything about having to do so after a repo?? The contract is the basis…
Popularity: 44
When your car is repossessed can they tell you that you can't have your car back until you've paid the balance?
Its very likely that they can require you to pay off if you just refinanced the loan. READ your new contract in the parts about DEFAULT. If there's any doubt, call a local attorney. In some states, if you put down 20% on the loan, then all you will have to pay is the past due payments, plus the rep…
Popularity: 52
Can a loan company turn a vehicle that is behind on payments into the police as stolen?
HECK NO, they have lots of legal remedies but that is not one of them.
Popularity: 45
How many days late on a payment do you have to be in order for it to be legal to repossess a car in Florida?
Popularity: 29
How can you get your car back if the finance company wants you to make the loan current and pay to get the car out but you can't afford to?
Gee, Hery, I dont see any way for you to get it back.
Popularity: 43
If they send you the bill for the remaining balance after your car is repossessed do they expect you to pay the bill all at once and if you sell it for less than you owe how do you pay for the balance or sell it without a title?
If they send you the bill for the remaining balance after your car is repo'd do they expect you to pay the bill all at once, **YES**if you sell it for less than you owe, **YOU must come up with the difference between what you sell it for and whats owed to get the TITLE B4 the sale is complete**how d…
Popularity: 39
If you sell your car after using it as collateral on a loan can you be prosecuted?
You could go to jail for selling a car that you owe money on. Felonies are different in different states. Call a local attorney and ask for a free consultation. If it is a felony in your state, you're gonna NEED an attorney.
Popularity: 45
Why would you still get calls from collection if it has been over 13 years since you had your car repossessed?
Demand verification of the debt.
Popularity: 36
Can your car be repossessed if it is also being used as collateral on another loan?
YES, co. "A" will probably redeem the car and fuss at you for letting it get repo'ed. You might better get it covered quickly. Good Luck
Popularity: 34
What happens if you sell a vehicle you've gotten a title loan on can there be legal action taken against a person from the title loan place?
It is a FELONY in most states to sell leined property. Why would you want to do that anyway? Most title loans are the easiest place in the world to let someone ASSUME your loan. Its not like you even have to have credit to get a title loan.Keep your account current and you shouldn't have anything to…
Popularity: 26
If you have been late on payments and they want to repossess can you still catch up without paying the remaining balance of your loan?
That option is up to the LENDER. Call the lender ASAP for more info.
Popularity: 36
Do you pay what is left on the loan or what the lienholder sells it for on a voluntary repossession of a car?
On ANY repo, you pay the balance due AFTER the car is sold. Payoff = 5K, car sells for 2k, fees = 1K, you owe 4K.
Popularity: 48
If the vehicle was in accidents does that have any bearing on the lienholder trying to sell it after a voluntary repossession?
IF the car was repaired after the accidents, probably not. If NOT repaired , it will decrease the amount the car brings at auction, increasing the amount you owe.
Popularity: 37
If there is a buyer and co-buyer and the buyer does not want the auto can the co-buyer take over the loan because the buyer gets all the credit?
The co-buyer should contact the LENDER and ask to have the buyer removed from the loan. Nothing can be done legally without the LENDERS approval.
Popularity: 49
If your vehicle loan was made in one state but the vehicle is currently in another state which state's repossession laws apply?
the state the car is in govern the repossession, the lenders choice on which state governs collection efforts. Read your contract.
Popularity: 44
How would you go about suing someone if they failed to pay for a car in your name and it was repossessed?
Call a local attorney and ask. I am sure sure you will get an O'pinion based on your states laws. If the car is in your name then you are ultimately responsible for the payment. You want to sue someone because of your own stupidity? The above answer is brusque but accurate. If the …
Popularity: 109
Can a co-signer pay the balance of the loan off to save credit history after a repo and then sue the owner of the car for half the loan?
Anyone can sue anyone for almost anything. Winning and collecting any judgment is another thing.
Popularity: 31
When an auto has been repossessed and auctioned is the difference owed determined by the payoff amount including repo fees at the time of repossession?
%DETAILS% Answer ENTIRE balance Due including interest and fees - sale price. BUT, the lender can take an OFFER. cash works best. LOL bargain, negotiate, wheel and deal. good Luck
Popularity: 21
If a car is repossessed and you are not contacted again should you contact and try to pay the balance?
It depends on the contract you signed. Title loan places are not usually allowed to sue for deficiency balances. Everyone else will. so if you dont contact them, they will contact you. Interest is building up, your best option is to contact and try to set up a payment that you can pay. IF THAT APPLI…
Popularity: 35
If you pay off the balance on your repossessed car to get it back do you have to pay the balance owed with interest based on the original 5 yr loan?
Unless you get the lender to agree to an offer, you will pay the balance due for payoff(repo fees, late charges,ect. have likely devoured any reduction in interest you would have seen for early payoff)
Popularity: 39
Is there a way to get a repossession off your record or at least show that you paid the money due to get the car back?
%REPLIES% Answer get it off your CR? not likely show that you got it back? if/when you pay it off, it will reflect that you got it back by showing PAYOFF. Answer Hello, saw your post This is not spam had the same problem as you if you will send me an email i can give you some gre…
Popularity: 49
If you have a car loan with Chase that is current can they repossess your car if you default on a different credit card with them?
READ your comtract on the loan and the card. Word to look for: cross-collateralization NO they cannot. Credit cards are unsecured loans. (not secured by any property/collateral) You can have them discharged through bankruptcy. YES THEY CAN. Read your contract. I'll bet it says they…
Popularity: 38
If your car is damaged while it is being repossessed who is liable for the damages the loan company or the repossession company?
The LENDER is responsible for every detail of a repossession. They may pass the costs of repair on to the repo company.
Popularity: 51


text:
Today, the U.S. House of Representatives passed the Coal Miner Employment and Domestic Energy Infrastructure Protection Act, a bill that protects American jobs and promotes U.S. energy production by blocking the most extreme elements of the President's job-killing environmental agenda.
"The people of Texas understand that a real 'all of the above' energy plan wouldn't exclude affordable American coal," said U.S. Congressman Kevin Brady, "and that Washington needs to stop doing things that hurt the mining industry and our economy."
"This White House's efforts to rewrite coal mining regulations will cost jobs, lower our nation's energy production and deny all Americans access to affordable energy right here at home," added Brady. "That doesn't make sense in any economy, let alone the Obama economy, which ranks dead last when compared to all other post-World War II economic recoveries."
The bill also prevents a national energy tax from being imposed under the Clean Air Act and requires a comprehensive analysis of the effects of federal environmental regulations on American manufacturing, global competitiveness, energy prices and jobs.
Source: http://kevinbrady.house.gov/brady-news-releases/house-votes-to-stop-the-war-on-coal/

subset: commoncrawl


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2014 Soybean harvest equipment field day
Techniques and equipment for reducing harvest losses will be discussed and demonstrated at the upcoming Soybean Harvest Equipment Field Day, Oct. 9, 2014.
On average, harvest losses reduce marketable soybean yields by one to two bushels per acre. Given the projected soybean prices, this could cost soybean producers $9.50 to $19 per acre in 2014. Harvest losses can increase significantly if the crop is lodged, very short, or harvest operations become delayed.
Because of this, Michigan State University Extension is cooperating with Gardner Farms, Crary Industries Inc., Helena, Syngenta, TNT Equiment Inc., Tri County Equipment Inc., and the Michigan Soybean Checkoff to conduct a Soybean Harvest Equipment Field Day on Thursday, Oct. 9. The field day will be held on this date if conditions are conducive to harvest. If harvest is not possible on the 9th, the program will be held on Monday, Oct. 13. The program will begin with lunch at 12 p.m. and run until 3 p.m. The field day site is located at 2491 Galbraith Line Road, Yale, MI 48097. Follow M-19 to Galbraith Line Road and proceed east for 5.1 miles, then follow the signs for field day parking.
Participants will learn new information about reducing soybean harvest losses and have an opportunity to see the latest harvest equipment demonstrated in the field. Equipment company representatives will be on-hand to discuss specific recommendations for fine-tuning their combines. The following topics and equipment will be demonstrated:
- Draper heads.
- Air-assisted reels.
- Measuring soybean harvest losses.
- Ground speed effects on harvest losses.
There is no charge for the field day. However, pre-registration is requested by calling 269-673-0370 ext. 2562 before noon on Friday, Oct. 3 as a complimentary lunch and educational materials will be provided. Please call this number for cancellation and rescheduling updates.
This article was produced by the SMaRT project (Soybean Management and Research Technology). The SMaRT project was developed to help Michigan producers increase soybean yields and farm profitability. The SMaRT project is a partnership between MSU Extension and the Michigan Soybean Checkoff program.


text:
2013 Porsche Cayenne
Utility 4D GTS AWD
Expert Reviews
Read unbiased reviews by auto experts and the NADAguides Test Drive TeamPrint
Expert Reviews are not currently available for the 2013 Porsche Cayenne AWD 4dr GTS.
Search our used car listings and find the right car for you. Click here for '2013 Porsche Cayenne' local listings >>


text: These days hearing positive things about the oil price is fairly rare, so when Sid Rajeev of Fundamental Research talked about being very bullish on oil at the recent Canadian Investor Conference in Vancouver, oil-focused investors were all ears. The Investing News Network caught up with Rajeev after the conference to get more insight into where he sees the market heading in the near future. Encouragingly, Rajeev said he sees the oil price reaching the $65 to $70 range by the end of the year; in the next three to four years, he expects it will move up to the $70 to $90 range. Supply and demand expected to balance out Rajeev began the conversation by outlining the three main factors that affected the oil price in the second half of last year and the first quarter of 2015. He first mentioned the appreciation of the US dollar, which has had an impact on commodities across the board. Second, he said that oil production exceeded consumption in the second half of last year and continued to do so during the first quarter of 2015. That might sound negative, but Rajeev believes the supply-demand balance will start to regulate itself as the oil price drops. "The good thing is that now you are going to see demand slowly catching up to production, and also you'll see stock levels going down — [those] are very strong indicators that prices are going to start to recover," he said. OPEC takes a stand against US shale The third factor Rajeev mentioned, and which he considers most important, was OPEC's November 2014 decision to maintain a production level of 30 million barrels a day. "The main reason I believe OPEC decided not to cut supply is to maintain its global market share [and] continue to dominate the oil industry," he said. The oil price took a big hit on that news, but according to Rajeev, OPEC will likely revisit its decision. That's because oil is an important GDP driver for its member countries. "If you look at Saudi Arabia, more than 40 percent of its GDP comes from oil. So this decline in the oil price is affecting 60 percent of the revenues that are coming from oil. So would [Saudi Arabia] rather continue to take a stand and keep prices low, or go back to its traditional attitude to cut production, let prices increase and maintain or at least have a lower GDP."


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Harte on Inter hit list
By Adam Marshall
Last Updated: 01/01/70 1:00am
The Leeds United defender will go into the World Cup knowing that some impressive performances for Republic of Ireland could seal a lucrative switch to Giuseppe Meazza.
Sources in Milan claim Inter president Massimo Moratti is a big admirer of a player who is extremely useful at set pieces, and often provides a goal threat.
The left back position is a priority for Inter as they consider a summer of spending, following their dramatic failure to capture the Scudetto on the last day of the season.
Hector Cuper will be determined to make amends next season, but his first choice is believed to be Valencia's highly-rated Vicente, whom he knows well from his time in Spain.
Moratti prefers Harte as an option, and has dealt with Leeds in the past when first loaning, then selling, Robbie Keane to the Premiership club.
David O'Leary is in no rush to sell his compatriot, even though the Yorkshire side may have to sell to finance their own close season signings, but, if the bidding from Inter gets as serious as is being claimed, it would be difficult for Leeds to refuse such an offer.
Olivier Dacourt is odds-on favourite to become the first man out of Elland Road during the close season, with Juventus his likely destination, but he may not be the only United man heading for Serie A this summer.


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Review: WQYK Guitar Pull showcases a stripped-down Charles Kelley, Lee Brice, more at St. Petersburg's Mahaffey Theater
WQYK-99.5 couldn't have picked a better time for its first-ever Guitar Pull concert.
Two weeks after Sasquachian singer Chris Stapleton shocked and swept the CMAs, potentially heralding a new era of respect for the humble singer-songwriter, six big-time Nashville acts brought their acoustic guitars to the Mahaffey Theater in St. Petersburg for an all-night round-robin songfest. Lyrics, laughter and liquor flowed freely as fans were treated to 3-1/2 hours of stripped-down sing-alongs from Lady Antebellum's Charles Kelley, Lee Brice, Hunter Hayes, Eric Paslay, Jerrod Niemann and Maddie and Tae.
It was the sort of scene might associate with Nashville's Bluebird Cafe, hugely successful singers and songwriters swapping licks and lines on stage all night, and throwing in more than two dozen big hits to boot. It's certainly not the sort of scene one normally finds in St. Petersburg on a Wednesday night — which is probably why it sold out well in advance.
As the night's ostensible headliner, the rakish and silver-tongued Kelley was in the center of the action, oozing charm to the back rows and slinging praise for his stagemates all night. While he nodded to his on-a-break Lady A with their old standby Run To You ("I feel a little naked without my compadres," he said), the reason for his appearance was his forthcoming solo album, of which fans got two tastes — the moving Southern Accents and the traditional folk-kissed The Driver.
But it was as a silver-tongued raconteur and commentator that Kelley stood out the most. Admitting at one point he was "obnoxiously talkative," he shared stories about writing with an ADD-addled Luke Bryan and ad-libbed a little song about Paslay: "Eric, you feel the best / when I lay down on your chest."
Hayes, who spent months on the road with Lady Antebellum this year, was a frequent target, with Kelley prodding him to show off his swollen biceps.
"Hunter Hayes is stronger than me, and I'm twice his size," Kelley said.
When Hayes tried to lead the crowd in a stirring version of Wanted, Kelley purred a Barry White-like ad-lib: ("I wanna make you feel wanted, baby") that broke up both the crowd and the song.
"I ruined a moment, didn't I?" he said sheepishly.
As a grinning Hayes later retorted: "Thank you for letting us be part of your round."
But while Kelley talked a good game, it was Brice and Paslay who stole the show at every turn. The bearish, bellowing Brice, in particular, commanded the crowd not just with his massive and tear-jerking hits, I Drive Your Truck and I Don't Dance, but with hits he wrote for others (Eli Young Band's Crazy Girl). Same for Paslay, who raised the roof on the Mellencampian Friday Night, and got huge ovations for She Don't Love You and another Eli Young Band song, Even If It Breaks Your Heart.
Both Brice and Paslay utterly slayed the night's final round, in which each artist was asked to play a cover. Brice challenged the crowd to follow him into a crushing, campfire-intimate take on Johnny Paycheck's Old Violin, and they did, in awed silence. Paslay threw down a version of U2's With or Without You that had the entire stage strumming and plucking along, and left even Kelley almost speechless.
"You need to record that," he told Paslay. "Was anybody recording that?"
(The other covers, for the record: Kelley did Adele's Set Fire to the Rain, Hayes did Walk the Moon's Shut Up and Dance, Maddie and Tae did Justin Timberlake's Mirrors, and Niemann closed the show with Alabama's rambunctious Mountain Music.)
Hayes, an irrepressible sparkplug of overcaffeinated guitar wizardry, couldn't help but get up when he sang, especially when trotting out a looping pedal, a la Ed Sheeran, to accompany himself on Storm Warning and I Want Crazy. The wryly funny Niemann kept things light with One More Drinkin' Song and Lover, Lover; but dug deep for the emotive What Do You Want.
And Maddie and Tae were the perfect young act to kick off a bill like this, None of the artists on stage traffic much in the bro-country objectification they skewer in their feminist hit Girl in a Country Song. In fact, when they got to the line "shakin' my moneymaker ain't never made me a dime," it was Paslay, at the urging of Kelley (of course), who begrudgingly got up to shake his own moneymaker to the crowd.
The mood in the house, as is often the case with country music, was no doubt enlivened by booze, as most of the singers sipped on beers sent up from fans and whatever they'd brought from backstage. (The underage Maddie and Tae and squeaky-clean Hayes stuck to water and coffee.)
And if the drinks helped with the feeling of cameraderie, so be it. All night, the singers complimented each other on their work. Madison "Maddie" Marlow thanked Paslay for writing Even If It Breaks Your Heart, a song that inspired her to keep going when she first moved to Nashville. Kelley called Maddie and Tae's Shut Up and Fish "one of the best country songs" on the radio. And Brice's pained, vulnerable I Drive Your Truck, Niemann was the first to stand up and applaud, and Kelley was the first to sling praise.
"I've got a lot of confidence," he said, "but you and Chris Stapleton intimidate me as a singer."
That inspired Marlow to hop to her feet to show off her Chris Stapleton T-shirt. At that moment, the only thing missing from this songwriters' showcase was Stapleton himself.
If the Guitar Pull becomes an annual event, he'd be a great fit next year.
— Jay Cridlin


text:
Bolstering opportunities for our veterans
With more and more of our friends, neighbors and family members returning home from fighting overseas, Representative Nyman has continued to ensure that veterans of all ages have access to the support programs, outreach centers, tax relief, workforce training and educational opportunities they need.
Rhonda worked with her colleagues in the Legislature in passing the monumental VALOR Act, which will greatly enhance the quality of life of our service men and women throughout the Commonwealth. Veteran-owned small businesses will see an increase in support with greater access to financial assistance and expanded contracting opportunities. Another major component of the bill is that it will assist military families as they transition in and out of Massachusetts. Transferring childrens' education credits due to military relocations has proven to be difficult and this legislation will require the Board of Education to make the transition easier on students. There will also be an expansion of services offered through the Massachusetts Military Family Relief Fund and an increase in efficiency of the veterans' service officers in our communities.
Source: http://www.rhondanyman.com/issue/veterans


text:
Traditional Baked Stuffing
Recipe by New Mom Kate
This recipe was handed down by my great-grandmother. It is a family favorite that we make every Thanksgiving. This traditional stuffing has a crispy top with a moist inside. No need to worry about stuffing the turkey this year! This tasty side-dish bakes in a casserole dish or Pyrex bowl.
Top Review by Roxygirl in Colorado
I really liked the stuffing, New Mom Kate. I had been wanting to try one with milk. I added some grated carrot (I love it in stuffing) and covered my pan with foil for most of the cooking time (since I like kind of "mushy" stuffing), uncovering at the end to get some crispy edges. I used one cup milk (it was pretty wet but not soggy). This was delicious tasting and I think the milk made it fluff up more. Thanks for posting. Roxygirl
Ingredients Nutrition
- 8 cups soft bread cubes, unseasoned
- 1 medium onion, diced
- 2 stalks celery, chopped
- 1⁄2 cup fresh parsley, diced
- 1⁄4 cup butter, melted
- 1 egg, beaten
- 1 teaspoon poultry seasoning
- 1 cup milk, approximately
- 1⁄2 teaspoon salt
- 1⁄4 teaspoon pepper
Directions See How It's Made
- Mix onion, celery, parsley, melted butter, egg and poultry seasoning in a large bowl. Stir.
- Add bread crumbs and stir with a spoon to evenly distribute the mixture.
- Slowly drizzle milk over bread while stirring until bread cubes are moist but NOT soggy. (May need a bit more or less milk than this recipe calls for.).
- Stir in salt and pepper.
- Pour in a greased casserole dish or Pyrex bowl. (A 9x14" baking dish will do in a pinch).
- Bake at 350 degrees for 35-45 minutes or until bread cubes on top are crispy.


text:
Further consultation maths calculus based HSC syllabuses
21 February 2017
Please send comments to firstname.lastname@example.com.
News story
Topic: HSC
Learning areas: Mathematics
Stages: Stage 6 (Years 11 and 12)
Following the decision of the former BOSTES Board to consult further on the maths calculus based HSC syllabuses, NESA is seeking feedback on these final draft syllabuses published today.
The feedback will be provided to the NESA Board's Curriculum Committee before final approval of the new syllabuses is recommended to the Minister for Education.
This process should be completed in readiness for the courses to be taught to Year 11 in 2018 and examined in 2019 along with the new HSC English, science and history syllabuses.
Please send comments to firstname.lastname@example.com.


text:
Staff Development
Tech Blazer Academy
Students will complete the following activities at their own pace: Mesopotamia Thinglink: Padlet Activity, Mesopotamia Vialogues. This Tackk activity will be used to introduce SAMR and TPACK to our staff members at C.W. Stanford during professional development. This is still a work in progress.
Team Members: William Lalanne, Dana Smith, Mary Quick, Michaela Walker, Ron Roche, Nancy Doss.


text:
LITTLE Janice van Oosterom thinks of her late father, Henk, as "a star" who "lives in heaven" — but she will never experience his gentle ways, silly jokes or kindness.
Today, the Supreme Court watched the videotaped victim impact statement of Mr van Oosterom's partner, Sandra van der Klink.
In the emotional recording, Ms van der Klink said she and her family had experienced "indescribable" trauma since Mr van Oosterom was slain by Jason Graham Bridgland.
"Janice will never know Henk's silly jokes, and he will miss the first time she rides a bike and will never comfort her when she scrapes her knee," she said.
"She's now almost three years old ... when children ask her why her daddy doesn't pick her up from school she says 'my daddy is a star and he lives in heaven'.
"One day she will ask me (and) I will have to tell her the real story ... the real story is too much for a little girl."
In December, Bridgland, 22, of Craigmore, was found guilty of manslaughter.
Justice David Peek ruled Bridgland had "deliberately and voluntarily" thrown a punch at Mr van Oosterom, 39, outside the Bushman Hotel at Gawler in September 2012.
That blow, to Mr van Oosterom's left cheek or neck, damaged an artery leading to his brain.
At the time of the crime, Bridgland was already serving a good behaviour bond for punching and kneeing another man in the face.
Following the verdict, Ms van der Klink spoke to The Advertiser and called for an end to drunken violence.
In her statement — given from the Netherlands via Skype and recorded by SA Police — she paid tribute to the man she called "the love of my life".
The couple, who fell in love after "just days", planned to marry upon Mr van Oosterom's return from Australia.
"He was such a good man ... he never raised his voice and was very understanding, I could always talk with him," she said.
"He could listen like no other ... he was, and still is, the love of my life ... he was the perfect man who always showed love to me."
She said Mr van Oosterom's colleagues used his phone to call her with news of his death.
"In one sentence, my world came crashing down — my life, and that of our baby girl, changed forever," she said.
"Six hours later I was on a plane to Australia."
Ms van der Klink said that, upon her arrival, she sat by her partner's side for days, speaking to him "as if he could hear me".
She placed a photo of Janice by his bedside "so at least that way they would be together".
"The doctors told me he was brain dead and I had to decide to end the life of the love of my life and father of our baby girl," she said.
"I loved Henk with everything I had, but I loved him enough to know that he didn't deserve this."
Ms van der Klink addressed Bridgland directly.
"Do you have any idea what our lives look like now?" she asked.
"Put yourself in our shoes for a moment and ask yourself this question: 'What have I done?'
"What if this was your baby girl and you had to explain how her daddy died?"
She told Bridgland she "did not wish bad things" upon him.
"But I hope you ask yourself, every day, what you've done," she said.
Justice Peek remanded Bridgland in custody for sentencing on a date to be fixed.
Originally published as Slain man 'a star living in heaven'


text:
Monday 15 November 1909
It was Monday, under the sign of Scorpio. The US president was William Howard Taft (Republican).
Famous people born on this day include Don Large .
John Farley's Redemption, directed by Victorin-Hippolyte Jasset, was one of the most viewed movies released in 1909
But much more happened that day: find out below..
You can also have a look at the whole 1909 or at November 15 across the years.
Old Newspapers
Have a look at the old newspapers from 15 November 1909 and get them!
Which were the most popular movies released in the last months ?
Find out your future
Get a FREE Numerology report based on the digits of 15 November 1909!
Wish him/her..
Historical Events
Which were the important events of 15 November 1909 ?
- Austria - Saint Leopold's day -- no school in Vienna, Lower Austria and Upper Austria
- USA - America Recycles Day
- Norway - The official skolebr�d-day on Sunnland skole
- Roman festivals - Festival in honor of Feronia (others say 13 November)
- Brazil - Republic Proclamation Day (1889)
- R.C. Saints - Albert the Great
- Palestine - Independence Day (declared 1988)
- Eastern Orthodoxy - Feast of Saint Philip the Apostle and the beginning of Winter Lent; also see November 15 (Eastern Orthodox liturgics)
Famous Birthdays:
- Don Large: Canada -- Choral director (Wayne King).
Make this date unforgettable
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...and if 15 November 1909 was your Birth Date then Join our Birthday Club!
Magazine Covers
What news were making the headlines those days in November 1909?
Genealogy: find out your family heritage
Which were the most popular books released in the last weeks ?
Remember when
What videogames would you be playing back in the days ?


text:
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I've been using this for weeks now and my skin is better than ever. I have mild acne (mostly hormonal) and I can see that it's much smaller and disappear much faster than the products I've used before. (plus I'm getting compliments on how my skin glows these days) I would definitely recommend this to my friends.
The only regret I have about the blue light is that I didn't know about it sooner! I'm twenty five and have struggled with acne since i was a teenager. Over the years i put my skin through abrasive creams and cleansers hoping to be rid of it. The blue light is by FAR the most gentle on my skin and it gives me real results! If i start to get a blemish during the day I'll use the blue light at night and it will either be completely gone or almost gone by morning. What a difference from the other products I've used! The blue light began working immediately- I noticed a difference within two days! Although I still get a blemish or two at times (due to genetics) the blue light makes my skin the clearest it has been since I was a little girl. My skin is healthy and glowing and free of heavy stinging creams and cleansers. I am so happy! It's completely worth every penny and I recommend it to anyone who has ever struggled with their skin.
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"After using the blue light I'm really happy with the results!" — Crystal
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LAST REVISED June, 2017


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Lovecraft's Bane - Cthulhu Hat by Lisa Wilt
Welcome! You are browsing as a guestWould you like to see 84 projects made from this pattern and much more? create a free account What am I missing?
© Lisa Wilt
© Lisa Wilt
Lovecraft's Bane - Cthulhu Hat
This pattern is available as a free Ravelry download
Pattern updated on Oct 27, 2012 to clarify that size 3 needle is used for main hat and pattern graph. Size 1 needle is only used for the inner hat brim lining. Please check your gauge, using size 3 needle, to ensure proper hat sizing.


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Stretchy frayed hem print flared corduroy pants. Five pocket style. Zipper fly with button closure.
Gardenia Printed Corduroy Flare styled by the FP Me community
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- Overview
- Specs
- Reviews
Forté Union Bullhorn BarGive your fixie a facelift with the Forté Union Bullhorn Bar. Not just for track bikes anymore, the traditional pursuit bar, AKA bullhorn, is both functional and cool-looking. And they look just as good on single-speeds and hybrids as they do on fixies.
- Butted 6061 aluminum is strong and lightweight
- Polished and anodized finish for durability and good looks
- Compatible with road brake levers and track grips
- 26mm stem clamp diameter makes these bullhorn bars compatible with a wide selection of road stems
- Choice of 38cm or 42cm width
Forté Union Bullhorn Bar
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Extra 20% Off: Offer valid 8/16/17-8/18/2017 only at Performancebike.com and by phone. Online no coupon code required, discount taken in cart. Extra 20% off is not valid on bikes/frames, GoPro, Garmin, Speedplay, Stages, Wahoo, Team Performance Memberships/Renewals, gift cards, Spin Doctor Services or Service Plans, paid training program fees, previous purchases, shipping or sales tax. Some brand and/or item exclusions may apply to this promotion – visit Terms and Conditions for details. Offer cannot be combined with any other coupon. .


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Ear Licks - The NEW Branding Tool
As the warm tongue lapped at my ear, the rational thought struck me, "Why am I letting him do this?" Yet I do; almost every day without fail.
My dog Finnegan has earned his special place in my heart through an innate knowledge of how to build a good brand. I believe all dogs are branding experts and we are simply the happy customers.


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Chinese social media has been whispered about him. Even his name is trending. Kirtita so what? 0. Do not sell the iPhone 7, a woman bought a house. But it's so much camakabara! There are surprises at the end of the story, however.
Reportedly, the iPhone as a gift she received from her fans. Better to say, to give the gift. The celebrity surprised that the forest is listening. Now the news has spread beyond the kirtimanera Chinese media throughout the world. The young woman's home in the city of South China's senajena BBC said.
The first two forums iyi Chinese blagasaita Tian Ya "Proud kiyaoba named a blogger event that gathers young lover. "Proud kiyaoba" said jiyaoli (pseudonym), the name of the girl friends recently showed its new home. Expensive incompatible with his consistency was surprised friends at home.
According to a new house with the money he saved kinichena. The Friends also surprised. They're not at all calculated to match, completed the family situation is not much jiyaoli. Her mother, housewife and father as well as workers employed abroad. He is the son of the family. Where did you get so much money!
And that is light, with the same jiyaolira boyfriend is 0. Each of them with the pressure from the new models come on the market on 16 September performed -7 expensive iPhone.


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A Masters degree is an academic degree awarded to individuals who successfully denote a higher level of expertise. There are two main types of Masters - taught and research.
Those looking to get involved in the fine arts, in the study of literature and philosophy, or to try other creative roles like designing fashion or culinary arts, will be most likely to find the program of their interest in the Arts category.
Universities in Turkey provide either two or four years of education for undergraduate studies, while graduate programs last a minimum of two years. There are around 820 higher education institutions in Turkey including 76 universities with a total student enrollment of over 1 million. The quality of education at the Turkish universities varies greatly, some providing education and facilities on par with internationally renowned schools.
Top Master Programs in Arts in Turkey 2017
Within the two-year study program in "Architettura_Progettazione of the Interior and the Autonomy" in the English language, Master of Science in the class LM-4 Architecture and Architectural Engineering, the Department of Architecture and Industrial Design "Luigi Vanvitelli" (NUTS ) it has signed two international agreements for the establishment of two Double Titles, one in 2015 and another in 2016. [+]
The Master Programme of Interior Architecture offers students expertise in interior layout and design. The programme aims to provide interior architects with the ability to create aesthetic, functional and sustainable solutions, using their high standard of professional knowledge and based on a strong background in design. [+]
Like the Department of Interior Design, the Department of Architecture belongs to the Faculty of Engineering and Architecture. Despite some differences, much of the curriculum in these two departments follow similar [+]
The Master`s Program in Design Studies offers a common ground for various design disciplines and embraces interdisciplinary as an academic framework. Such interaction between disciplines will allow students to discover more creative solutions. [+]
The Master's Program in Design Management is a joint program between Faculty of Business and Faculty of Fine Arts and Design. Design Management Master Program is intended to be in an efficient collaboration with the programs of "Master of Business Administration (MBA)" within Graduate School of Business; and "Master and PhD of Design Studies" and "Master of Yacht Design" within Graduate School of Social Sciences. [+]
İzmir Institute of Technology is one of two institutions of higher learning in Turkey offering English-language instruction in City and Regional Planning. [+]
İzmir Institute of Technology is one of two institutions of higher learning in Turkey offering English-language instruction in City and Regional Planning. In recognition of the fact that keeping abreast of international developments is vital already in the undergraduate stages of the profession of planning. We have developed library; laboratory, and internet facilities so as to enable international research and pursue multilingual thinking in the field.
Today in this country, we stand in urgent need of planners capable of developing solutions to the dire urbanization problems which we face and for which we pay each day.... [-]


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Lehmann admitted that his team was completely outplayed by the visitors in all aspects of the game.
"Batting was poor, irresponsible. We were none for 50 in six overs and we could have got 150-160. All the credit should be given to Pune, they bowled reasonably well. We had some silly shots in the middle and players of calibre should not have played like that," said Lehmann.
Deccan openers Shikhar Dhawan and Ravi Teja had raised a half-century stand in six overs to set the tone for a competitive total.
But clever bowling coupled with some mindless batting by home side batsmen helped the Warriors fight back into the match as Mitchell Marsh produced a clinical performance with the ball to restrict Deccan to 136 for eight.
Lehmann also hinted at some major changes in the side for the remaining matches.
"Change of team gives some other guy a chance. We will obviously change the team. We are out of the competition and we will change the team to give the other guys a chance.
"They are training very hard behind the scenes. At the end of the day, you have got to pick the best team but we will give chance to the other guys as well," he said.


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Artist's description:
Cubist Style Nude painting. Acrylic inks on paper. 30cm x 40cm
Based on the Modernists of the early 20th century, this painting epitomizes the Cubist style. Picasso and his contemporaries such as Braque, Modigliani and Giacometti have always been an rich source of inspiration not only through their use of dynamic forms and figurative representations but also the drama that exuded their art.
Frame and mount not included
Copyright reserved by the artist.
Materials used:
Acrylic Inks on paper
Abstracted Nude 11 (2016)
Mixed Media painting by Koola Adams
$64.17 Sold
- Mixed Media painting on Paper
- One of a kind artwork
- Size: 11.81 x 15.75 x 0 in (unframed) / 11.81 x 15.75 in (actual image size)
- This artwork is sold unframed
- Signed on the front
- Style: Abstract
- Subject: Nudes and erotic
More by Koola Adams View all
View all
A Love Forsaken
Acrylic paintingby Koola Adams
Homage to Matisse
Acrylic paintingby Koola Adams
The Phenomenon of the Falling Men
Collageby Koola Adams
Abstract Painting 'Saponic 8' Original.
Mixed Media paintingby Koola Adams


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Author | Indrani Sinha | Thursday, Sep 21,2006 9:26 AM
The popular pair of the hit serial 'Jassi Jaise Koi Nahin' – Jassi and Nandu – are back. But this time they have a very different role to play. The duo will host a breakfast show on Big 92.7 FM, which will be aired from Delhi and Mumbai.
Big 92.7 FM has taken the celebrity route and will have several celebs to host their key shows. Said Manav Dhanda, National Head, Programming and Regional Head, West, Big 92.7 FM, "Radio hasn't got any consistent celebrities. We want to give credible, aspirational and relevance not just to the show but to the medium by and large, and celebs tend to bring on the same aspect. The celebs have been chosen from the respective cities to gel and genuinely connect to the listeners."
Both Mona Singh (Jassi) and Gaurav Ghera (Nandu) are quite excited about their new roles. Said Singh, "I am pretty excited about my new role as RJ, I am all the more kicked about the fact that I'll be able to speak my mind and relate to listeners on a one to one basis."
Said Ghera on his new avatar as RJ, "RJing is something that I have always wanted to do, but I never imagined that I would get the opportunity to do it someday. I am sure that through the medium of the radio, the real Gaurav Ghera will have real time fun and be able to garner some real friends too."
Since both have a background in television and a fair knowledge of the industry, Singh and Ghera are confident that they would be able to shoulder their new roles as RJs with aplomb. Both are happy about working with the best talents in the industry and are confident that handling the technical aspects of RJing would not be a problem.
When asked if they would miss the camera, lights and clapsticks, Singh said, "On television although people can see you, they can't interact with you and thus it lacks that lively feeling. Ofourse, both Gaurav and I would be doing television simultaneously, so our fans will have enough of us visually too."
The breakfast show will not be an extension of 'Jassi Jaisi Koi Nahin'. The duo will be themselves and will deal with real life situations of dilemma, dispute, revenge, etc. and deal with the callers to the show in the right and light spirit.
Both Singh and Ghera agree that RJing and acting on TV are two different ballgames. "While acting, you are allowed to have retakes, but radio is live and one cannot afford to make a mistake while on air. You will have to think and say the right things very fast and unlike television there are no doctored scripts here," both said.
Also see:
Big 92.7 FM makes the informed choice for content and communication
Programming HeadRadio Mango


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Software for science reference management
From OpenWetWare
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m (→Cross-platform bibliography solutions)
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* [[Computing]] - categorised list of software
* [[Computing]] - categorised list of software
* [[Biosoftware for Mac]]
* [[Biosoftware for Mac]]
== External links ==
== External links ==
Revision as of 08:39, 3 July 2008
It is a common task that can become a struggle for scientists to collect, organise, and cite references. Several pieces of software have been made over the years to help us with those activities. If you know any please share them here with your comments on usability, features, and reliability.
Cross-platform bibliography solutions
- Bibus - opensource bibliography manager similar to EndNote for RefMan (Mac, Win, Linux)
- Zotero - Firefox extension to help collect, manage, and cite references
Reference software for the Mac
- BibDesk (BibTex reference database w PubMed download, free)
- Skim - PDF reader and annotation software (free)
- Papers (bibliography software by MekenTosj, shareware )
Reference software for the PC
Reference software on Linux/UNIX
See also
- Computing - categorised list of software
- Biosoftware for Mac
- Searching the literature
External links
Wikipedia related topics
External software comparison pages


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Brick PhotographyPhotographer Male San Francisco, California, US
My MM URL: http://www.modelmayhem.com/Brickone
Mayhem # 902871
About Me
I am a young Photographer who loves what I do as a hobby and as a profession. I love working with creatively motivated people. I love acting and drama; I am an artist in visual and media arts. I live for a great piece of history captured by my eyes let alone my camera. Take a look at my work and please feel free to give me feed back Bad or good.
Have you worked with Brick Photography? Add Credits for Brick Photography ! >>
Credit Notes
Anyone who i have worked with and has put me on to this Great networking site ! I hope to have alot more fun and create alot more images!
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1980 Madame Alexander Doll 8" Netherlands Boy 577
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: -
- Source: eBay
- Sold Date: Mar 08, 2011
- Channel: Auction House
1980's Madame Alexander 8" Netherlands Boy Doll #577 from my Grandmother's collection.Comes with box, hang tag and stand. Please, see my other listings. I will combine shipping. I use flat rate boxes which are 5.20 for a small box (1-3 dolls) or a medium box (4-6 dolls). Prices for US only. Please ask if you are out of the country.


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Infinity by Crown is set to serve as the gateway for Australia's largest urban renewal project: Sydney's Green Square Town Centre. The design by Koichi Takada Architects for Crown International Holdings Group utilizes two distinctive loops, and is formed by the constant flow of traffic and pedestrian movement around the building. The public loop will tilt toward the adjacent Green Square Plaza, ensure solar access, and enliven the streetscape. The residential loop will be oriented north, providing residents with essential amenities and open space, while still allowing sunlight and breezes to permeate the public loop. The 20-story tower will hold 416 apartments and 5,000 square meters of retail and restaurant space, and is set to begin construction next year.
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Send Us Your Halloween Pics!
Did you get dressed up for Halloween this year? We want to see! Email your Halloween pics to [email protected] OR post them to The Frisky's Facebook page – we'll put together a slideshow of reader Halloween pics to appear on the site later today or early tomorrow. Above, a slideshow of a bunch of Frisky reader Halloween costumes from last year, and after the jump, even more. So don't forget to send us a photo of your costume ([email protected]) so you can be included in this year's slideshow!


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CaseWare financial reporting and audit solutions are used by accountants in business, practice and the public sector worldwide. Our clients range from sole practitioners to over 50% of the top 75 UK practices, 4 out of the top 5 firms to charities and private and listed businesses in the UK and internationally, including many Fortune 500 corporations.
Contact details
- caseware.co.uk
- email@example.com
- 01622 355200
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Following the Brexit vote, the now ex-Chancellor George Osborne announced a plan to cut corporation tax to less than 15%. As a result, many are now...
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Natchez Cookies
Recipe by Sarah06 Smith
It is simple and easy to make, yet tastes so delicious!
Top Review by arb711
I've been making these for many years - they are amazing! So good that my friends call them Evil Bars and I'm not allowed to make them too often. I use toasted almonds because I prefer them to pecans - you can use anything you like. In fact you can use other things besides graham crackers - I make it with regular matzo for Passover, and it's fantastic.
The chocolate chips will melt as soon as you sprinkle them on - then you can spread them out with a knife, so that the chocolate covers more of the bar. They often don't break evenly into neat rectangles, so go for the rustic look!
See Discussion:1 Review
Ingredients Nutrition
- 15 whole graham crackers
- 1 cup unsalted butter
- 1 cup firmly packed dark brown sugar
- 1 teaspoon vanilla extract
- 1 1⁄3 cups chopped toasted pecans
- 1 (6 ounce) package semi-sweet chocolate chips
Directions See How It's Made
- Preheat oven to 350°F Lightly butter 11 x 17 inches cookie sheet.
- Arrange graham crackers side by side, edges touching, on prepared cookie sheet.
- Stir butter and brown sugar in heavy medium saucepan over medium heat until butter melts and sugar dissolves.
- Mix in vanilla extract.
- Increase heat and boil 1 minute.
- Pour caramel mixture over graham crackers.
- Sprinkle with chopped toasted pecans.
- Bake until caramel topping bubbles and turns deep brown; about 10 minutes.
- Remove from oven.
- Immediately sprinkle chocolate chips over cookies.
- Cool 4 minutes.
- Cut along graham cracker edges to separate.
- Carefully transfer to rack and cool completely.
- Cut each cookie in half.
- (Can be prepared 1 day ahead. Store in airtight container at room temperature).


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The opinions expressed herein are my own personal opinions and do not represent my employer's view in anyway.
Picture of the day
Fashion-Shooting on Location
Shooting beautiful horses.
Commercial Shooting, Fitness Gear
Commercial Shooting and Picture Stock
great place for artist...
my good old buddy
railway into sunset, client shooting
Commercial Shooting for our client "Eilles"...
tough guy!


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27.1.2017 update:
**wallets still ran out, still waiting supplier replys, i confirm i will make them when i have the materials!**
This Utility pack can be attach to your backpack for adding extra volume. It also come with 2 removable padded shoulder straps to be setup as a small day pack.
Shoulder strap fabric will be black 1.5oz Spinnaker with 3mm foam.
*** This is a PRE ORDER items, once order received, I will going to make it asap, usually take 3 weeks before dispatching.***
**Price includes international shipping **


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The Indian government is selling off part of its remaining stake in Maruti Udyog, the country's largest car maker. The government's stake will be divested directly to financial institutions (FIs) or banks.
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