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Wedding Week: Couples and Money
Tuesday, June 6, 2006; 12:00 PM
Money is not only an important factor to think about when planning a wedding -- it also has a large impact on the marriage itself. Are you financially ready for the next step?
Washignton Post personal finance columnist Michelle Singletary will be online Tuesday, June 6, at Noon ET to discuss financial issues couples face in planning their weddings.
A transcript follows.
Michelle Singletary: I have to tell you this is one of my most favorite topics to discuss. First because far too few couples who are ready to walk down the aisle are READY to really merge financially. Couples spend months planning a wedding and less than a few hours (if that) talking about how they will handle their money as a married couple.
Secondly, I am thrilled because of my new book "Your Money and Your Man." And don't let the title fool you. It's a book for MEN and WOMEN. Although I'm talking to women, if you're a guy you will get so much of out if too!
Anyway let's get started.
Washington, D.C.: Michelle! You're wonderful!
This time last year, I was reading portions of your wedding chat aloud to my then-boyfriend. It was a great springboard for conversations about marriage and money, and we both realized we were on the same page financially in many ways.
Within a month, he proposed. And because you reinforced our thoughts that you shouldn't go into debt to have a wedding, we saved, planned, and had a wedding in April without going into debt. Hooray!
So I wanted to say: THANK YOU!
And brides and grooms -- listen to Michelle! And talk to each other about money.
Michelle Singletary: I just had to start off the chat with this wonderful letter. Not to toot my own horn ...oh who am I kidding :)
Olney, Md.: Eighteen months into marriage. I wanted to drop a line to say I was THRILLED to see this as the second chat listed!
It is very important to have your ducks in a row and honestly discuss tax implications, bills, debt, future plans, how to combine everything, retirement (had to switch all my beneficiaries on all my accounts, what to make joint and what not to, etc.), children, cars, EVERYTHING. Plus we must not fear; we must keep talking. I realized I was afraid to say something to my husband 2 weekends ago about how much we had given as a graduation gift. At that point I realized we had miscommunicated, and I had made an error. Even how much to spend on Christmas presents and to whom to gift has been up for discussion. We have to talk and we have to own up. Watching friends hide purchases for weddings and other daily items scares me. A wedding is possibly the first big budget item you are planning for. I think it took as much work on a heartfelt balancing level as buying a house. In my book (in my 30's when married and watching plenty of friends along the way) working out the financial side and marriage counseling are the two key parts of preparing for marriage. The counseling to help make sure you talked about 'everything' (even after 8+ years together talking and talking up a storm we had one issue we identified we needed to work out), learn how to better communicate with each other, and become comfortable with seeking outside help and working on big problems when they come in the future.
Life changes, and you need to know you have real support and where you stand when it counts.
Michelle Singletary: Well Mrs. Olney what great advice to help start this chat off. And Congrats on a great start to your marriage. When it comes to love and money communication is so very key. And when I say communicate I mean talking to each other in a loving way. No griping. No sniping. No insults. No cussing. As the queen of soul says R-E-S-P-E-C-T.
Washington, D.C.: Who is suppose to pay for what?
Is the total cost of the wedding the responsibility of the bride's parents regardless of age?
Michelle Singletary: Well my dear times have changed. Only about a quarter of parents (the bride's parents that is) actually pay for the wedding anymore. Most often these days it is the couple getting married that pays for the wedding. And that's because many of the parents don't have the money.
Age has little do to with it other than the older you are the more money many parents expect you to have and therefore you have the ability to pay for your own wedding they feel.
Vienna, Va.: So what do you think is a reasonable budget for a wedding? We're not rich and neither are our parents, but we haven't even started pricing things, but would like to set a cap on how much money we're going to spend total
Michelle Singletary: Start first with what you can afford and THEN fit the wedding into that budget. If you start with a wedding in this area cost $26,000 (seriously) then you get stressed and think you HAVE to spend that or close to it.
Look at what you have in cash (even if you are going to pay with credit). By that I mean what have you saved up for the wedding. Then plan accordingly. That might mean having a small reception or a reception at a restaurant with just close friends and family (say 20 people). It might mean doing what a friend of mine is doing. She and her intended can't afford a big reception so they are having chocolate, little cake etc. in a hall at the church. Then they are having a dinner for just the wedding party and parents.
Contrary to popular belief you can have a wedding for just about any cost from $25 to $25,000.
Staunton, Va.: Michelle -- love the straight-forward advice! Okay, I used to be very bad with money and I have cleaned myself up past the break-even point. Now that I have no debts (not even a car note) and I have a couple thousand saved, I have become what I would consider miser-like. Now that I can afford an expensive coffee whenever, I still make it myself. I eat peanut-butter/bread sandwiches nearly every day for lunch. In the evolution of people's monies, what comes next? Will I "even out" and start to loosen the grip or am I doomed to be penny pincher for the rest of my life?
Michelle Singletary: I know off the subject but couldn't resist. You are a nubie penny pincher and going thu the newest of being frugal. That's okay. You will loosen up hopefully. Just pick some things or one thing that you buy without thinking about cost. For me it's UTZ potato chips. I buy them even if they aren't on sale. If designer coffee is your thing -- then treat yourself. The point is to spend where it matters and save everything else. So if it doesn't bother you to eat peanut butter sandwiches every day go for it and eat them with some good coffee.
Washington, D.C.: My boyfriend and I have been together for quite a while and are discussing marriage. When it comes to money, what are the key questions we should answer and discuss before taking this next (HUGE) step?
Michelle Singletary: On the site about this week's wedding package you will see a quiz "Talk is Not Cheap" from my new book. Take the quiz. It has about 20 questions you should ask before you get married. You each should take the quiz by yourself and then come together to compare answers. I'm telling you it will be an eye opening experience.
Arlington, Va.: I agree it is crucial to discuss these things. Recently my fiance made some comment to me about our "joint bank account." I was like, "uh, what?" This prompted a discussion of how we will merge financial issues. We agreed to have a joint savings account and a joint checking account (for paying monthly expenses) but to also have individual checking accounts for discretionary spending. Additionally, my loans for grad school (which I intend to start shortly after the wedding), will fully be my responsibility. We've agreed to each set aside a certain amount each month towards a house downpayment, and to accrue no credit card debt under any circumstances. I'm sure we've forgotten something, what else should we discuss?
Michelle Singletary: Not having those individual accounts.
Seriously you are on the right track but why not run the complete race to being ONE. When you get married your debts should become something you BOTH tackle. It's not your debts anymore. Think OURS about everything including saving for your home together. If you are getting married you have to get out of this mode of mine and his or mine and hers.
It's not about YOU anymore. You don't need any separate accounts for discretionary spending if you are talking about all your spending. What you could do is each agree to have a weekly or monthly allowance that you can spend no questions asked. Everything else becomes one.
Washington, D.C.: Just got engaged. Thanks for the chat. I'll try to keep this quick. How much money do we realistically need to have on hand for a quality downpayment on a house? I'm trying to figure out what is the best use of our money, a house or a 4-hour party that I probably won't even be able to enjoy as much as I should because I know how much money I'm thowing down the drain on it.
Michelle Singletary: Personally I vote for the house. But I'm sure you would have guessed that.
Look in most areas of the country getting a house even if you don't put down a downpayment is going to cost you upwards of $25,000 or more...much more with closing cost,etc.
That's about the avg cost of a wedding. If funds are limited I vote for something that first will appreciate in value.
But having said that I don't think money spent on a wedding is throwing money down a drain. A wedding and reception can be a beautiful thing and a chance for friends and family to celebrate a beautiful thing. So it can be worth it IF and I mean really IF you can afford to throw yourself a wedding and come back to save for a home. It can be done.
Washington, D.C.: I have about $15K in my 401K plan right now. I'm 28. On a scale of 1-10, 1 being smart, 10 being unbelievably stupid, how bad an idea is it to try to cash in the 401k to pay for a significant portion of the wedding, and start anew?
Michelle Singletary: On a scale of 1 to 10 with 10 being stupid (your word not mine) I would say cashing out your 401 (k) to pay for a wedding would be a 20.
First you won't net $15,000. You will net about half of that with penalities and taxes. Second do you really want to start off your life robbing Peter to pay for Paul's wedding, which means you can't afford the wedding. Let your retirement money be. It's great that you have that much saved up already. Don't blow it. Instead save for the wedding and if you can't wait to save have a wonderful ceremony and serve Kool-aide and cake to guest whom you can say we are saving for our future home and retirement please enjoy these light refreshments.
Arlington, Va.: Just an observation -- as a multiple bridesmaid (6 six times) -- I noticed that the most elaborate wedding I participated in resulted in the shortest marriage (1 year). The simplest wedding I ever attended was for a cousin who had a cake/cookie reception with punch in the church basement. She's been happily married for some 20 plus years.
Michelle Singletary: Can I get an "Amen."
Been my experience as well. Not to say that if you had a big, expensive wedding you haven't had a great marriage.
Arlington, Va.: To all the brides-and-grooms to be, from the voice of experience:
Please learn to handle your finances together, before you get married. Money fights were a major reason for my divorce, and I must share some of the blame for those fights. You must, must, must be on the same page, with each party getting an equal vote. The preacher will tell you, "Now you are one." One way to stay that way is to act like it. No separate checking accounts, no spending major dollars without the other person enthusiastically agreeing, no making the other person feel guilty. You will be SO thankful for it. As the old saying goes, "Marriage is grand; divorce is ten grand." Divorce is a wealth killer, and a good marriage is a PERFECT vaccine against it.
A post-script: I do plan on getting married this year to a wonderful woman, and we're already talking a lot, and comfortably, about marriage.
Michelle Singletary: Can I get another "Amen."
I love the voice of experience and reason. Keep those voices coming.
Virginia: I have a friend who is NOT getting married because they don't have health insurance and they don't want the woman's assets to be taken if the husband gets sick. I know, I know, they should have health insurance, but can you answer the question: can a spouse's assets, in her name only, be taken for a husband's medical debts?
Michelle Singletary: This is a tricky question. If your friend lives in a community property state and they get married and the spouse incur medical debt, yes her assets could be used to pay his debts.
If they don't live in a community property state and they do get married and she signs any forms saying she is responsible for his medical expenses (which she may have to if he's too sick to sign forms) then it is possible her assets could be used.
But on a deeper level I'm actually pleased to see they are NOT getting married because you know what they aren't ready for marriage. Think about what they are saying. She loves her assets more than using any of them to take care of the man she loves and might have married. She should stay her butt single. It's a good thing.
Washington, D.C.: I know you don't recommend having separate checking accounts if you are married. My question is -- how do you make sure you have enough money in the joint account and won't over withdrawal money? What if my spouse and I each bought something expensive on the same day with our debit cards? Like, I went to the grocery and apent $150 and he had car repairs to buy? At least with my own checking account, I always know what is going on, but having someone else being able to withdrawal money sounds totally scary to me.
Michelle Singletary: Ah, use your cell phone, which I'm sure you have to call and say I'm at the dealer and it's going to cost xxx do we have enough to cover xx.
Really how hard is it to talk to each other about an expenditure. Hopefully you have a cushion built into your checking account anyway but you know when you are going to the grocery store right? IF not as if you will be kipnapped and taking against your will to the store and spend $150. So talk. Agree that only one of you take the checking book. Or the night before you know you have to take the car in or go shopping you both check to see what's in the account.
Online banking is a beautiful thing. And if you are totally unsure about this and not good at keeping track than get overdraft protection for the times the communciation does and will break down.
Silver Spring, Md.: Michelle -- I'm a newlywed who really appreciates your advice. My question is, how do you you get a man to participate in the paperwork? He knows he needs to enroll in a 401k and switch beneficiaries, we need to draw up a will, etc. But he never seems to get around to it. I'm terrified that it will never get done. He says he knows it's important and I believe him -- but I need action! Do you or any of the other chatters have any suggestions for turning a good man's talk into a good man's deeds?
Michelle Singletary: I hear this a lot. It's a problem. If feel for you.
So why don't you get the paperwork yourself (he's got to have it in the house at least right). Fill it out and take it to him while he's watching the game and have him sign it. Then if you have to you drop it off at his benefits office.
Then you schedule the appointment with the lawyer. Tell him you want him to go with you to get some sexy underwear. On the way to get the underwear stop by the attorney's office.
Ok kidding on the last part -- well just a little bit -- but you get what I mean right. Often one spouse is a doer the other is a put offer. So unfortunately and as frustrating as it may be you have to be the one to act.
Distance Wedding: Michelle,
This is somewhat related to today's topic. I have a very close girlfriend who is hosting a distance wedding this December outside the country. The price for my husband and I to attend is roughly 3k! We just bought a house and do not want to take from our emergency savings to go -- is that wrong? She was at our wedding and is upset that we are not going. We actually found out about the upcoming wedding a few weeks before closing on our new home. Help -- what should I do?
Michelle Singletary: Oh my, I'm so writing about this soon perhaps on Sunday. So if anyone else is in a similar situation please, please e-mail me (firstname.lastname@example.com).
Anyway, if you can't really afford to go, then don't go. Your girlfriend is so very wrong. You are so very RIGHT.
Do not under any circumstances use your emergency money and if she still gets mad have her call me. I'll set her straight for you. I mean it!!!
This is what you do. Write her a very loving letter. Tell her how much your friendship means. Tell her you so appreciated her coming to your wedding. Tell her you wish you could be there for her big day but you just can't afford to come to her wedding (you don't need to explain in gritty details why since you've already have I'm sure). Then send a very nice wedding present on her return.
If after that if your friend still hassles you -- kick her to the curb cuz she ain't no friend. A good loving friend would be very, very disappointed but not upset at a friend who can't afford to shell out $3,000.
Discretionary funds?: Michelle -- I know you're not a fan of seperate accounts, but I was wondering what you think about our arrangement. We share all accounts except that we each have a small "fun" account. He puts in $40 a pay period, and I put in $93 (there's a reason why it's unequal, not a big deal at all). This way, he can buy his hobby items, and I can buy my jewelry baubles. We both know that this money really technically belongs to us both, since it's money that's being diverted from our joint accounts. I don't buy my jewelry unilaterally, nor does he spend his money without chatting with me. Is this still bad?
Michelle Singletary: Not bad really just unnecessary I think. And this is why. I love it that you have an allowance. And actually without knowing all the details I understand why there is a difference or could be.
But let's say one money or week or whatever you don't spend your $93 on jewelry. That money stays in the joint account and can be used for whatever. You don't have a problem with it because you really didn't need it anyway.
I have an allowance but hardly ever use it. So that's more money in our account. What happens to money not used in the separate accounts? Can it be used for joint expenses.
Again, not bad and look if it works for you and all accounts are accessible to all then it works for you. Just more juggling and accounts and possible bank fees in my opinion.
Virginia -- follow-up: Actually, our friend lives in Virginia -- so not a community property state. They are a very committed couple, have been together for a decade, and have one child. He is a stay-at-home dad so she supports him completely. They are paying extra thousands a year 'not' to be married since they don't want to risk losing the child's home, etc. They would be married in a heartbeat if it weren't for worrying about this. So thanks -- you may have helped yet another couple get married!
Michelle Singletary: Sounds complicated but still glad to be of assistance.
Washington, D.C.: We are planning on getting married August 2007. We are both in our 40's. We are finacially set and we have a 10-year-old son. How much is too much to spend for a wedding at our age?
Michelle Singletary: How much is too much. When you have to go into debt or it derails other more important purchases like a home or paying for college for your son. If you have a home and you are on track to save for your son's college or have the money for his education then spend whatever you like.
What I object to is folks spending sinful amounts of money on what amounts to a 4-hour party then whining they can't buy a home or send their kids to college.
Washington, D.C.: Suggestions that worked well in my household:
(1) Regarding your wedding - don't make your attendants buy new dresses. I let mine pick out whatever they already owned and felt pretty in, and it worked out great. It also added a touch of informality that kept me from going over the top on some other items.
(2) Regarding a joint checking account -- our rule is the checkbook stays home and each of us only carries 1 check around. That way we reduce the likelihood that between the 2 of us we will write too many checks on any given day.
(3) See if you can share a cell phone. We did this for many years -- the person who would have the hardest time getting to a landline got the cell phone for the day.
Michelle Singletary: Love, love your ideas. Thanks.
Manassas, Va.: Hello Ms.Singletary,
My name is Taneshia Langley and I was listening to you on the radio today talking about debt. There was one thing in particular that caught my attention and that was buying someone out of a mortgage or getting bought out of a mortgage.
When I was 18 my mom asked me to co-sign on a mortgage. I know, I know, bad idea. Now I am thinking about purchasing my own home but I am really trying to get out of the old mortgage.
I am willing to hear any advice you can give me.
Michelle Singletary: To get out of this mortgage your mom will have to be able to refinance on her home ...meaning you could try to refinance the house using just your mom's income and credit standing. If that is possible then you can get off the mortgage.
Distance Wedding: I'm having a distance wedding (though any distance for some people wouldn't work) and have a number of guests that can't come -- due to money I suspect. What I have appreciated more than anything else is people telling me that they can't come b/c it's too much money. I can totally understand that. What I find difficult is people who don't offer any explanation or one that sounds lame (my kid has a little league game).
Michelle Singletary: I was with you until the last part. As a mom if that little league game is a big game or important to my child I may have to decide not to come to your wedding. Don't see it as an insult to you or should I say don't take it personal if someone doesn't want to come to your wedding. It's an invitation not an order, right?
Anyway, the first part was right on. And people if you are invited please respond. Don't make people spend money for no shows.
Alexandria, Va.: Why do people spend so much money and go into debt for a one-day event? Why do people have so many bridesmaids, flower girls, etc.? Why do people ask for money in lieu of gifts?
Why do people get married and then act like college roommates regarding bills and other financial commitments? His money, her money and hide money? If it isn't OUR MONEY, ain't this the first sign of marriage trouble? Who wants to spend fifty + years splitting the cost of a loaf of bread, eggs and utilities? I can hear it, "I was on travel for a month so you used the AC not me."
Michelle Singletary: Whew....glad you got that off your chest.
But I hear you. But keep in mind as I have to that some people (Ok mostly women) dream all their lives of this BIG day and in the process do lose their right mind.
However, as I said earlier nothing wrong with a wedding, big, small whatever...as long as you do what you can afford.
Arlington, Va.: Hi, Michelle:
My husband and I married in May. We bought a house last summer. (Yes, backwards, we know!) The disparity between our incomes is about $15,000, and we both earn over $60,000. I can't find a simple resource for figuring out how we should file our taxes (jointly or singly) and how/if we should each change our allowances now to avoid getting a big refund. Right now we each claim allowances, and still got a refund last year.
No high medical expenses for either of us. He's making student loan payments. We both give to charity.
We really need help figuring this out and aren't sure if we should visit an accountant, tax person, CPA, or what. Can you please advise?
Many thanks!
Happy but confused ...
Michelle Singletary: Sounds like you might need to see a CPA. Do it now so you can make whatever changes to your W-4 to balance out your tax situation for the rest of the year.
Discretionary funds again ...: You asked what happens if the money isn't spent in the allowance fund? Well, it usually isn't spent on a weekly basis -- more like a yearly basis. I spend for months or a year or two and I buy a large item of jewelry. Hubby has made his first purchase since getting married almost two years ago -- a big mixer-thingy from Williams Sonoma. I guess our point in having the discretionary funds is so we can save for things that the other has no interest in.
P.S. -- the reason why the amount is unequal is b/c we always keep our bonuses for ourselves (not big, since we work for the feds). Last year my bonus was a quality step increase, which meant that it was paid out to me over time through a pay increase, and not in a lump cash sum. So, my bonus QSI amounted to an additional $53 a pay period, hence the $93.
Michelle Singletary: I see. Ok. But my husband and I save for what we want and the other has no interest in in the joint account and no issue.
We each just take out the money when the need comes up.
Observation of a Married Lady: Michelle, I want to second your vote for combined finances. I know that indpendent-minded folks are pre-programmed to disagree with this, as my husband and I were when we married three years ago. We kept the joint checkings and saving, with small individual accounts on the side, for about a year. We finally realized we were just confusing matters, and couldn't really see what the point of the individual accounts was, since any major purchase had to be discussed in advance anyway! So we got rid of the individual accounts and have never looked back. It's much simpler. Just my $0.02!
Michelle Singletary: And 2 cents that is worth a fortune.
Reston, Va.: Michelle -- I'm getting married in November. I'm in my late-thirties, and after having gotten through medical school on loans and having worked very hard professionally, I've finally come into my own, having started a job where I'm making a substantial salary that will enable me to pay off my student loans in the next year and a half. I have more assets than my finance including some retirements savings and real estate (I have a condo that I'm about to sell for which I'll make a nice profit), and I currently make about 3 times what he does. I love my finace dearly, and with each passing day he earns my trust more and more. Nevertheless, as hard-won as my own success and financial stability have been, I feel some instinct to protect them and maintain separate finances for some period of time. Any advice on separate vs. merged finance in a new marriage?
Michelle Singletary: Well since we are near the end of this chat I know you know what I'm going to say.
Merge, Merge, Merge, Merge right from the start.
But dont merge, merge, merge, merge meaning get married and merge your finances until you completely trust the person you are going to marry. I really advise that every couple getting married should go thu pre-martial counseling and a program that includes a comprehensive financial component.
Once you do that then you both can rejoice in what you have both accomplished.
Remember once you get married it's not about you anymore!
Cleveland Park, Washington, D.C.: I know this is an awful question, but my boyfriend's parents have mounds of credit card debts. He is an only child. He is responsible to pay that back if something happens to them?
Michelle Singletary: It's not an awful question. It's life.
And no he is not responsible for their debts unless he co-signed on any of those debts.
Also it's not an awful question because your gut is probably telling you that if you two get married his parents finances might become your problem even if he isn't contractually responsible for the debt.
And your gut would be right.
Poorhouse, Va.: We are six months away from our wedding and have been discussing money and how we will approach it for the past several months. However, we still seem to be discussing (and at times arguing about money) more often than ever before. Of course, this makes me nervous for our future ... I want us both to be on the same page financially. To add to the challenge, I am a saver and he is a spender (this is the first time he has never had credit card debt). I know part of it has been how we were raised to think about money, and how we handled it beforehand. Please advise as we will soon be a partnership and I do not want this to become all-consuming. Thanks!
Michelle Singletary: Don't get married until you resolve this issue or you feel comfortable you have a plan to deal with your difference.
I'm so very serious about this. This is the time to realize and discuss and maybe even break up. Because breaking up once you get married is hard to do.
Don't be afraid to end it if you can't see handling this together.
Please get pre-martial counseling so you can both get the tools to figure out if you can work this out as a married couple. Trust me things will not change once you get married.
Springfield: Michelle,
Thanks for all your wonderful advice. As a married lady (5 years this July!) with a 3-year-old and a baby on the way, I just want to let all the young (or middle-aged or older) engaged couples know, the wedding is a lovely celebration of your commitment to each other. After all the wrapping paper is thrown away, all you really have is this other person you need to make a life with. All the fondant-covered cakes, balloon arches, Vera Wang gowns and exotic flowers will not make a whit of difference. And when you have been married a while, and you're looking through the album or watching the video, you get sentimental thinking of the words you spoke to your spouse and the people who were there with you, not the bridesmaid dresses or the zillion-item buffet.
Michelle Singletary: And let this be the last "Amen."
Michelle Singletary: Thank you all for joining me today. The questions and comments were just amazing and thoughtful and I'm sure very helpful to a lot of folks. Love you guys.
Editor's Note: washingtonpost.com moderators retain editorial control over Discussions and choose the most relevant questions for guests and hosts; guests and hosts can decline to answer questions. washingtonpost.com is not responsible for any content posted by third parties.


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Johannesburg - Inkatha Freedom Party MP Musa Zondi has resigned from his position, Parliament's communications service said on Tuesday.
It said Zondi, who was also the IFP's secretary-general, tendered his resignation to the National Assembly Speaker, Max Sisulu, on January 24.
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Another MP and national organiser, Albert Mncwango, quit from his position after allegedly being pressured by the party's leadership.
Zondi declined to say why he resigned. He referred enquiries on the matter to IFP national spokesperson Joshua Mazibuko.
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Zondi's resignation took effect on February 1.
There have been reports of jostling for positions in the IFP ahead of the party's elective conference expected to be held sometime this year.
Zondi, regarded as heir apparent to IFP leader Mangosuthu Buthelezi when he retires, said last year he would quit active politics at the conference.
At the time, Zondi said there was a smear campaign against him by people within the IFP, who believed he was a threat to their leadership ambitions.
Mncwango was reportedly also considered a potential candidate to take over the leadership of the party.


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Pentagon Insider: WikiLeaks Has It All - Pedogate, 9/11, Kennedy, & CIA Hacking
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The latest leak from inside the Pentagon has confirmed that there are American patriots working within the US Government to help the president "drain the swamp" who want the best for the American people by exposing the truth about the CIA's wrongdoings.
Speaking to Victurus Libertas, the Pentagon insider gave this interview:
Q. Vault 7 is the biggest story of the year, right?
A. It gets bigger by orders of magnitude.
Q. So what happens now?
A. The story will go well beyond Implants, C2's, and LP's.
Q. What does that mean?
A. Listening posts, Malware. The danger is in how the CIA declassified "war code". They also failed to keep different eggs in different baskets. This can be blamed on the agency not wanting to loop NSA in their plans. In essence, the CIA sought to create their own NSA.
Q. What do you see happening next?
A. Well, "Whack A Mole" takes on a whole new meaning!
Q. Whoa…….
A. The media steps in. Talking heads bemoan the "threat to national security", blame Russia, avoid any mention of Uk involvement or Israel, which by the way, is furious beyond belief and scared shitless at the release of Vault 7… as are the Brits.
Q. We keep hearing this. Why? The Brits and Israeli's are allies, right?
A. Define ally? The CIA, MI6 and Israeli secret service have been engaged in asymmetrical espionage on civilians, both domestically and abroad. They turned their tradecraft on the civis[civilians]. That's not going to play out well. There are bigger floods ahead, I fear.
Q. Floods?
A. It's a term used to denote large-scale leaks or breaches in intelligence.
Q. What type of things can we expect?
A. Right now, the first dump concentrated on the CIA's toolkit. The fear and loathing barometer tells me there is a real concern the source code will get leaked, and even bigger concern the CIA's past 'activities" get exposed. If that happens, we will have a shockwave and an instant realignment of friends and foes.
Q. Could you explain further?
A. Let's say Wikileaks divulges that the CIA engages in domestic espionage in tandem with Mossad and MI6... Let's say CIA looks the other way while foreign nations are allowed to surveil American citizens… Let's say the people find out we created Isis with Israel, or the CIA really did neutralize Kennedy. Imagine how the citizens will view the CIA, Mossad, and MI6. In truth, these entities are not the beast, but rather the claws of the beast. The combination of the CIA, Mossad, and MI6 can be considered the greatest sponsors of terrorism in the world.
Q. Wow. So you are saying Wikileaks may leak the secret history of the CIA?
A. I am sure it's coming. Why did they use a Kennedy quote referencing the CIA's destruction as their passphrase? I am pretty certain they plan to expose just who was behind the Kennedy assassination.
Q. If foreign nations were behind 9/11, will the people sit idly and forget about it and go back to their everyday lives?
A. 2 years ago, I would have been confident they would have behaved as the lemmings the CIA expects them to behave like. But the foundation of trust is eroding. People no longer trust DC, MSM, Banks, our courts, etc.
Q. Will Pedogate ever be fully exposed?
A. Vault 7 will make certain that Pedogate is exposed. CIA and Mossad are behind much of it. Many in my close circle welcome what Wikileaks has done. Most military servicemen serve honorably. Most law enforcement as well. We want the swamp drained. If Trump muzzles Pence, and guides this nation by his instincts, my guess is he will gut the CIA, modernize it, kick the MI6 and Mossad out of the tent and start re-evaluating who our friends are. Start with Saudi Arabia. Our relationship with the UK is very good from a military standpoint. That will not go away. But, we need to weaken the power and reach of our current intelligence community as it is forced to disengage from foreign intelligence services like Mi6 and Mossad. We have to stand alone.


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Nashville, Tennessee: Country Western Singer Statue (Gone)Staue of a waving, 10-foot-tall man, who appears to have been built for some other purpose, has been draped with a 2-D plywood "guitar" and stood outside a Nashville bar.
Bobby's Idle Hour Tavern
- Directions:
- South side of downtown, outside Bobby's Idle Hour Tavern. On the right side of 16th Ave. S. (which is one-way northbound) a block north of Edgehill Ave.
- Hours:
- June 2016: Reported missing.
- Status:
- Gone
Results 1 to 5 of 5...
Visitor Tips and News About Country Western Singer Statue
Reports and tips from RoadsideAmerica.com visitors and Roadside America mobile tipsters. Some tips may not be verified. Submit your own tip.
Statue isn't there. A huge guitar sign is now in its place.[Becky Hall, 12/22/2016]
We just went by today and this cool statue is not here anymore! The bar is still here, but no country western singer sadly![Lyndsi, 06/23/2016]
Country Western Singer Statue
The cowboy seems to be reclining on the fence. He has seen better days -- strapped down and faded, but seems perfectly at home in front of the Idle Hour. It is a true Music Row throwback bar. There is no telling who has sidled up to that bar in its history. Not trendy. Not exactly welcoming looking on the exterior. Definitely old school.
Doesn't get the publicity of Tootsie's, but could be equally as important in the history of music in this town.[Darren And Donna, 07/09/2014]
Country Western Singer Statue
I checked up on Bobby. He's in the same spot, a bit sun-bleached and his clothes are getting moldy, but he fits right in! He is propped up and triple-strapped down, so I don't think he's going anywhere. Easy to check out on a quiet Sunday afternoon. Grab a drink at Bobby's Idle Hour; you're not doing anything important anyway.[J Bradshaw, 01/08/2014]
Country Western Singer Statue
This is a Country and Western Singer who is about 15 feet tall. He's located on the real Music Row in Nashville - 16th Ave. South, five blocks from Vanderbilt University, at a bar called Bobby's Idle Hour Lounge.[Movis, 12/21/2008]
We can see how that plywood guitar could entice country music fans...
Latest Tips Across Roadside America
Catch up on the latest discoveries from the road.
Explore Thousands of Oddball Tourist Attractions!
Unique destinations in the U.S. and Canada are our special obsession. Use our attraction recommendation and maps to plan your next road trip.


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I think that we can all agree that the Disney/Pixar film The Incredibles was a pretty "incredible" movie. (Sorry, I had to.) So, naturally, when Disney finally announced there was a sequel in the works 12 years later, I felt like I was 10 years old again. Slated for a 2019 release date, there will be an impressive 15-year gap between the original Incredibles and its sequel. This poses two important questions. First, will the film's timeline also jump 12 years into the future, or will the new film pick up where the original left off? And second, who will the villain of the new film be?
Theory 1: Evil Dash
This theory isn't new. It's been floating around the internet for a while now. It started on Reddit, as crazy fan theories often do. According to Reddit, the theory goes that Dash, upset at not being allowed to use the full extent of his superpowers, turns down a dark path (can anyone say "Anakin Skywalker"?). He ends up declaring war on his aging parents, leaving Jack-Jack and Violet to save the day.
Now before you start blasting me in the comments, let me say I think this theory is way off the mark. It's an interesting theory, but the likelihood of us seeing an evil Dash zooming around is pretty much zero. The first film gives absolutely no evidence to support this theory, and, in fact, actually gives evidence to the contrary. Dash learns to accept his limits in the original Incredibles, even though he may not want to. My opinion of this theory is best described by Joe Biden's statement during the 2012 Vice Presidential Debate.
Villain Likelihood: 3/10
Theory 2: The Return of Syndrome?
Now I know what you're thinking. You're thinking that Syndrome got shredded in a jet turbine. And he did. All because he wore a cape.
But, did Syndrome really get sucked into the turbine? We all saw Syndrome's cape get caught in the motor. We all saw him struggle to get it off. We all saw the ensuing explosion. But we also all saw Jack-Jack's shocked expression as he looked back up at the exploding plane.
So, what if the reason Jack-Jack was so surprised is that he actually saw Syndrome get the cape off and flee the exploding plane? We never actually see the death of Syndrome, it's just implied. So, what if Syndrome miraculously survived and returns to wreak further havoc on the Incredibles family? After all, this is a superhero movie, and we all know that nobody stays dead in a superhero movie. Except Quicksilver.
If Syndrome does return, there's the distinct possibility that he may in fact make good on his threat to kidnap Jack-Jack and turn him against his own family, which is a plot I'd absolutely LOVE to see. Are you listening, Brad Bird?
Villain Likelihood: 2/10
Theory 3: The Son of Mirage?
Yes, I know that Mirage ultimately reformed and dropped out of the movie, but that makes me wonder. She's never seen again when things go back to "normal", so what if she ended up getting married and having a kid who somehow finds out about her work with Syndrome? What if said child decides that he needs to complete Syndrome's mission of eradicating supers once and for all?
I mean, think about it. Mirage is a very mysterious character, and if she had a child, who knows what he'd be capable of? This would be a neat way of keeping the villain tied to the original cast and story, without retconning an original character and inexplicably turning them into a villain.
Villain Likelihood: 7/10
Theory 4: The Underminer
Now, given that a significant period of time has elapsed since the original film, and given the fact that the Underminer has received both a comic book and a video game in the meantime, it's unlikely that we'll actually get to see the character reappear on screen for more than another thirty seconds. But still, if the sequel were to pick up where the original left off, I foresee many puns about living underground. And he certainly sounds like a character who's not afraid of getting his hands dirty. (I would apologize for that one, but I'm not really sorry!) He probably has a few minions stashed away inside his tank/drill/whatever-it-is, but he's clearly willing to go to any lengths to accomplish his goals, because as he says, "I am always beneath you... but NOTHING is beneath ME!"
Villain Likelihood: 9/10
Theory 5: Evil Jack-Jack
There are actually two possibilities with this theory. The first is that a villain (possibly a resurrected Syndrome?) succeeds in turning the now-teenaged Jack-Jack against his own flesh and blood, and all of his family (and Frozone) have to team up to stop him.
The second — and much more likely — possibility is that Jack-Jack, having grown up as the baby of the family in a world where supers are once again looked upon as valuable members of society, has grown up to be a spoiled brat. Suppose that he essentially turns into a superpowered Kylo Ren and his older siblings attempt to defeat him, but, fail on their own. In desperation, Dash and Violet will no doubt drag their parents and Frozone out of retirement to help because they're unable to cope with their baby brother's vast plethora of superpowers. If this were to happen, I'd really want to see Jack-Jack be a total momma's boy and crumble instantly when his mother tells him that he is grounded for life.
Villain Likelihood: 7/10
Regardless of who the villain in Incredibles 2 turns out to be, I'm still going to be first in line to watch it. Whether the timeline jumps or stays the same, I think we can all agree that the mere thought of there being a second Incredibles is downright "incredible"!
Are YOU excited for Incredibles 2? Comment below!


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Will Day Create an Accountlast updated: July 2014Contact Will Day Create an Account to make additions or corrections to your profile.Related Success Stories for Will DayBahia Grande Estuary RestorationRestorated tidal exchange and estuary functions of an 11,000 acre barren basin and reestablished critical habitat for fish, wildlife and waterfowl.Calapooia River, Improving Water Quality and Aquatic HabitatAssessing riparian function and water quality in agricultural and forestry settings to promote natural resource management to improve water quality and aquatic habitat in the Calapooia River.CF Industries National Watershed AwardThe CF Industries National Watershed Award recognizes outstanding community watershed protection efforts. The award focuses on innovative, non-regulatory approaches to improving water quality.Charles RiverThe Clean Charles effort brings together a variety of organizations and their diverse projects to clean the river for swimming by 2005.Duke Power's Buck Steam Station Project WILD SiteStudents in the Rowan-Salisbury North Carolina school system enjoy the benefits of outdoor wildlife class sessions at Duke Power's Buck Steam Station.Envision UtahEnvision Utah, an unparalleled public-private partnership, educates citizens about urban growth and methods for maintaining quality of life and natural beauty.Great Allatoona Lake CleanupThis is a long standing partnership involving protection of public lands in a rapidly developing area that becomes model for lake cleanup's across the nation. Headwaters Corner Interpretive CenterCommunity partners and conservation agencies collaborate to bring environmental education of regional significance to the general public of southern California.Hokulea, Navigating Change in the Hawaiian Islands "Navigating Change" is a project focused on raising awareness to ultimately motivate people to change their attitudes and behaviors to better care for all our islands and ocean resources.Indian Creek Restoration/City Center Revitalization Caldwell's downtown revitalization plan uses restoration of Indian Creek as the catalyst for a sustainable community with ecological integrity and economic vitality. Kagman Watershed ProjectJoint effort by CNMI Dept. of Land & Natural Resources, Saipan & No. Islands SWCD and USDA NRCS to address flooding of agricultural land during rainy season & irrigation shortage during dry season.Louisiana Coastal Area Ecosystem Restoration StudyThe plan would make significant progress towards achieving and sustaining a coastal ecosystem that can support and protect the environment, economy and culture of southern Louisiana and the Nation.
Mississippi Wildlife and Grenada LakeThis partnership has produced record fish, relocated overpopulated deer herds, managed disease outbreaks in fish and wildlife and increased acreage of waterfowl management.Montana Water TrustMWT develops water transfer agreements with farmers, ranchers, and other landowners that increase flows and benefit native fish in Montana's 4,000 miles of dewatered streams.Oregon White Oak RestorationStudents and neighbors plant seven Oregon white oaks as pilot restoration project aimed at keeping oak habitat in the neighborhood. Sigurd Olson Environmental Institute at Northland CollegeIn the spirit of Sigurd F. Olson, we facilitate solutions to environmental problems through education, research and citizen involvement. Stop Aquatic Hitchhikers!Through social marketing, Stop Aquatic Hitchhikers! simplifies this complex issue, makes it relevant to recreational users and empowers them with prevention procedures.USDA, NRCS Partners with U.S. Army in New JerseyFort Dix and USDA, Natural Resources Conservation Service have partnered for eight years to protect water quality at an active military training base.Washington State Military Sustainability ProgramThe military sustainability program uses a multi-stakeholder process to integrate conservation and sustainable land practices into military operations.Waste Solutions ForumWaste Solutions Forum brought together key stakeholders to assemble an action plan for implementing environmentally and economically viable solutions for excess animal waste in the Shenandoah Valley.Wildlife Forever – Minnesota Twins Bass Fishing ClassicThe Wildlife Forever - Minnesota Twins Bass Fishing Classic raises funds for natural resource conservation and youth education projects while promoting the conservation of Twin Cities Metro lakes.Willamette River Water TrailThe Willamette River Water Trail is a community-driven partnership effort that illustrates what can be achieved when local communities work together towards a common goal.Windbreak and Air QualityDemonstration sites have been created in Pennsylvania to evaluate the effects of windbreaks on odors coming from poultry, dairy and swine operations.


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Provide abundant storage and luxurious style to your bedroom decor with the Victoria Palace 6 Drawer Chest with Left and Right Piers. This beautiful chest features six spacious drawers to keep clothes and accessories. There are additional piers on the left and right side that offer two drawers and a wooden cabinet each. The top drawer of the chest is velvet-lined so you can safely keep jewelry and other delicate valuables. Ornate embellishments and intricate carvings adorn the feet and posts that complement the marble inlays and antique metal hardware pulls. Every drawer of the chest is fitted with English and French dovetail joints to ensure reliability and long-lasting durability.Add storage space and luxurious style to your decor with this beautiful 6-drawer chest.


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MOVIE SYNOPSIS [ +16 years-old ] The four members of the band The Presents are lost in search of the room where they have to give a concert. With his van will give round and round the plains of England, in a road movie with touches of great genre, Boney M songs and videoclipero end which refers to markedly pop style of its director. You can watch Paradise online on TV cable or theaters with original audio in English at different dates. This film premiered in theaters in 2013.
Rating: 5 by 220 users./
Runtime: 35 minutes
Jonahhes Brandl, Mario Campos, Jurgita Kalvaityte and Chu-Li Shewring.
35-minute film (full movie) directed by Marçal Forés.
The original audio of Paradise has dialogues in Dolby Digital, it was produced in UK.
It premiered in cinemas or television in 2013.
Screenplay written by Marçal Forés and Kim Noe.
Neus Ollé-Soronellas.
This film was produced and / or financed by National Film and Television School.
Composed by Carlitos Carbonell.
Without commercial breaks, the full movie Paradise has a duration of 35 minutes; the official trailer can be watched in streaming on the Internet. You can watch this full movie free in EnglishDolby Digital in movie TV channels, renting the DVD or with VoD services (Video On Demand player, Hulu) and PPV (Pay Per View, Netflix).
See the page of this full movie, Paradise in FULLTV Movies.


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- Please select a date to see the proper prices!
Description of the accommodation:
Rooms, services Are you about to reserve a room in Guadeloupe? We are glad to introduce you the offers of <Szálláshely neve/Property type>, where both you and your family will be very welcome for a stay. The hotel is offering six tasfefully furnished, nice rooms for those looking for a place to stay at in Deshaies. You can secure your valuables in the safe. The exact scope of services offered by Oasis de Grande Anse Deshaies (including those for an extra fee) is available on the information sheet below.
Payment Depeding on the selected room, date and price, you may be asked to provide credit card guarantee or to pay by credit card in advance.
Arrival, opening hours The earliest check-in time is 16:00, the latest check-out time is 10:00. The personnel can speak French and English languages.
Oasis de Grande Anse Deshaies rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
- Pool (Outdoor - seasonally open)
Garden, Safe deposit box
Hairdryer, Fridge, Microwave oven, Tea/coffee-maker


text: > > It isn't a person's name that is the important entry in the keyring; it's > > the digital signature that uniquely identifies someone. You could, in > > theory, have multiple package maintainers at the same email address. The > > fact that a full name is listed as part of the address is merely a > > convienence for us humans. I think any lookup that would produce a > > unique private key should be sufficient. > > However these signatures are then gone. Which means that the only way to > check a package's maintainer against the keyring is via the maintainer field. > With your method, it would not be possible. That situation exists today. Only the digital signature is verified. Unless I'm mistaken, my key in the debian keyring does not have the name I sign my packages as, though the email address will match. If somebody does a match for my email address, though, it will find a unique entry. Brian ( firstname.lastname@example.com ) ------------------------------------------------------------------------------- We've all had "bad experiences", but there is no such thing as bad experience.


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Injury Forces Horwitz To Sit Out First Game Since 1990
After tattering the Mets' roster, injuries are now taking their toll on the team's media relations department.
Jay Horwitz, the Mets' 66-year-old vice president of media relations, was hospitalized Thursday after breaking his right ankle while walking to work. In his 32nd year with the club, Horwitz hadn't missed a game since August 1990, when his mother died.
According to the Mets, Horwitz, who lives in New Jersey, stayed a hotel near Citi Field after the team's late arrival from Miami Wednesday night. He injured himself when he stepped in a pothole on the way to the ballpark in the morning.
Also, Shannon Forde, the Mets' director of media relations, was walking on crutches Thursday after fracturing her ankle a day earlier.
——Brian Costa


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Vodafone M-Pesa App launched in India for Bill Payments & Mobile Recharge option. This is a new responsive M-Pesa App can be used to load money to M-Pesa wallet. This can be done with Net Banking/Debit Card through the app. With the launch of this new app, company offers 5% cash back on payments made using the App. This is available up to a maximum of Rs 50 per month.
Vodafone m-pesa's new App is the fast, easy and safe to send money to your loved ones. You have the option to withdraw / receive the money at 85,000+ m-pesa agents across India. This is said to be India's Largest Business Correspondent / Cash Out Network).You can simply Send money to any mobile phone (across all operators) in 3 steps.
Steps to Send Money with Vodafone M-Pesa App
1. Enter the recipient's number
2. Enter the amount
3. Enter your 4 digit secret code & Press send
The person who receives the money will get an SMS and this needs to show to their nearest m-pesa agent along with an ID proof. You can then collect the money. The app is available for Android, iPhone, BlackBerry and Windows Phones. You can register for this service, by dialing *400# or visit your nearest m-pesa Agent or Vodafone Store along with an ID proof.
There are many other options available with this app, includes:-
- Recharge any prepaid number (Vodafone and other operators)
- Recharge a DTH connection (TataSky, Airtel, Dish TV, Sun Direct, Videocon & Big TV)
- Recharge a Broadband connection
- Recharge a Post-paid Vodafone number
- Pay your Utility Bills
- Online shopping
- Instant Transfer to any bank account


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As I have been doing after each program, I am putting this here as a place for people to make comments about the show that has just aired. I must say, this was the toughest episode to film. So heartbreaking and Aaron is such a good man, father and friend. Tough to watch too. But unfortunately, it is the horrible truth. And if you have not already done so, I recommend you check out Tony Ortega's blog this morning. Aaron, in his usual meticulous detail, rips apart the scientology smear site and POW videos that were put up a couple of hours after the show aired. On a more positive note, the … [Read more...]
Archives for January 3, 2017
Why Do Scientologists Lie?
While repeatedly asserting that they are "the most ethical group on earth" and that they are constantly having to "get rid of" people who "cannot live up to their ethical standards," in truth, every dedicated scientologist is a liar. Why? The short answer: they believe that achieving the "Aims of Scientology" and "Clearing The Planet" are so vital for the well-being of all mankind that those ends justify any means. But, as with most other things in scientology, the simple answer is also the simplistic answer that really doesn't bring much understanding. So, let's break it … [Read more...]


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Print fulfilment services, member engagement and other print services from UK Engage
A range of functions to complement the portfolio of electoral services
Member Engagement
Co-operatives, mutuals, charitied and other non-corporate bodies: we know you take member engagement very seriously. UK Engage can help you to live up to that commitment in a cost-effective and user-friendly way with a choice of bespoke or off-the-shelf solutions to inform, engage and consult your membership base.
Member Generation
Are you looking to boost your membership figures? Working with our sister company, Print Image Promotions and Incentives, we can stimulate interest and incentivise recruits with member generation initiatives such as 'Recommend a Friend' initiatives via existing members. Referral from existing members is known to be a highly effective route to member generation. Let UK Engage maximise its effectiveness for your organisation.
You might consider approaching prospective members or connecting with recent recruits using canvassing. UK Engage can co-ordinate and manage your canvassing campaign, reporting back the results data in a clear and comprehensible manner.
Design and print fulfilment services
Every paper-based poll requires different printed matter and print fulfilment, in most cases involving statutory and obligatory elements as well as the need for clarity and ease of use. At UK Engage, and via parent group Print Image Network, we have extensive experience of providing design and print fulfilment services to all formal requirements as well as with a design that is both easy to use and easy on the eye.
Financial and other sensitive mailings
Working with our parent group, we can harness extensive experience in accepting, sorting and merging data to create complex mailings such as cheques, dividends, statements, invoices, payroll notifications and other sensitive mailings. Security measures – either overt or covert – can be integrated as required.
Roadshows and forums
Reach out to your members and stakeholders in person with a roadshow, seminar, workshop conference or any other event. Ensure maximum participation by going to your stakeholders, not asking them to come to you! Let UK Engage take care of everything from invitations and other documents to liaising with the venue, provision of audio-visuals etc. We'll even arrange a guest speaker if you want. We can also take care of data capture if you need feedback from such events and can provide eye-catching personalised documentation to maximise participation.
Data management
At UK Engage, we can use our data or filter your own data to socio-economic, geographical or political boundaries to help you to target specific stakeholder or user groups as accurately as possible.
Customer satisfaction surveys
You want to know what your customers think of you but you know it can be a costly and time-consuming exercise. Some observers might even question the independence of you reporting about your own organisation. With UK Engage, every stage of the survey process is carried out efficiently and cost-effectively, based on years of experience and many such surveys. Also of course, the integrity of the truly independent data speaks for itself.
Speak to us today and find out how our print services can help you and your organisation.


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NIA: Volunteers Requested for Alzheimer's Clinical Trials
The National Institute on Aging has a number of clinical trials and studies for which it has requested volunteers. If you know of any individuals or organizations that would be interested in learning more, they can go here.
On a similar note, the National Institutes of Health (NIH) will be holding a workshop entitled "Enrollment and Retention of Participants in NIH-Funded Clinical Trials" to explore strategies to enhance enrollment, recruitment and retention of participants in clinical trials. The workshop will take place on Friday, July 25, 2014. Go here for more info.
Scientists Map Path of Alzheimer's-Linked Brain Cells in Mouse Models
In what is described as "like scaling Mount Everest," scientists at Johns Hopkins University School of Medicine have for the first time successfully plotted the labyrinthine paths of cholinergic neurons, cells linked to Alzheimer's disease, in laboratory mice. These large brain cells— which are common to all mammals—are the first to show degeneration in people with Alzheimer's disease. Understanding the structure of these neurons could offer researchers better insights into how Alzheimer's affects the brain. The study is published in eLife.
Project Lifesaver International Holds Annual Conference This August
We wanted to share that Project Lifesaver International will be hosting its eleventh Annual Conference from Monday, August 11, 2014, to Thursday, August 14, 2014, in Orlando, Florida. The primary mission of Project Lifesaver is to provide timely response to save lives and reduce potential injury for adults and children who wander due to Alzheimer's and other disorders.
ACT-AD Responds to 21st Century Cures White Paper
ACT-AD submitted comments in response to the House Energy and Commerce Committee's 21st Century Cures: Call to Action white paper. The comments acknowledge the FDA's constructive engagement with ACT-AD on regulatory issues related to Alzheimer's drug development and encourage further utilization of therapeutic repurposing for Alzheimer's disease by the NIH, a combination approach to Alzheimer's therapy and more flexibility in early stage clinical trials for Alzheimer's disease. The comments are available here.
Study Reveals Possible Novel Therapy for Alzheimer's
A possible new target for drug research into Alzheimer's disease has been discovered by researchers at Penn State University. This discovery was published in the journal Nature Communications this month. According to lead researcher, Gong Chen, Ph.D., "Our studies suggest that reducing the excessive GABA inhibition to the neurons in the brain's dentate gyrus may lead to a novel therapy for Alzheimer's disease. An ultimate successful therapy may be a cocktail of compounds acting on several drug targets simultaneously." Read more here.
Memory in Old Age May Be Affected by History of High Blood Pressure
A new study published in the online edition of Neurology suggests a possible relationship between a history of high blood pressure, blood pressure in old age and its effects on brain structure, memory and thinking. It found that if an older person had a history of high blood pressure, they are at risk for memory and thinking problems. Interestingly, this is the case even if they have low blood pressure in their older years. For more on this research, click here.
$4.5 Billion Brain Research Report Receives Positive Response from NIH
A landmark brain research report has received the support of the National Institutes of Health. It calls for $4.5 billion to be invested into funding for brain research over the next 12 years. NIH Director Francis S. Collins, M.D., Ph.D., called the report "bold and game changing." If fully implemented, this would provide substantial benefits for Alzheimer's research. For more, go here.
7th Annual FDA/Alzheimer's Disease Allies Meeting Set for November 6th
Make sure you mark November 6, 2014 on your calendars. ACT-AD will host its 7th Annual FDA/Alzheimer's Disease Allies Meeting for patient groups, regulators, researchers and industry at the Bethesda North Marriott Hotel & Conference Center (5701 Marinelli Rd., Bethesda, MD 20852). This meeting will explore challenges related to clinical meaningfulness in therapeutic development for early Alzheimer's disease. Check out this page for updates.


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Premier Inn, Coventry- Bathroom Pods
Client: Premier Inn
Architect: The Space Studio
The Client
Elements Europe, worked in collaboration with Leadbitter, on a 101 bedroom Premier Inn hotel in Coventry.
This scheme will be a further extension of Elements Europe's experience in delivering on behalf of the Whitbread Premier Inn hotel brand. A relationship which has seen the development of new sites implementing the Solopod Bathroom Pod and Room Pod off-site construction systems.
Project Description: Bathroom Pods and Room Pods
The project saw Elements Europe provide 59 Bathroom Pods using its SoloPod system and 42 bedroom modules using its Room Pod system. The roof structure and plant rooms were also supplied to Leadbitter by Elements Europe, which were incorporated as part of the structure using Elements Europe's LSF Façade product.
The hotel is located in the City College, The Butts; it originally opened in 1935 during the height of the art deco movement. The scheme combines ultra modern Bedroom and Bathroom Pods which were designed sympathetically and in-line with the original features which included coloured leaded windows and column flooring.
The building was extended from a two storey structure by placing a steel grillage over the existing second floor accommodation. This allowed a third floor of Room Pods to be installed. Elements Europe also manufactured and installed a modularised roofing cassette system to assist the main contractor.


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Petsmart, Laredo, TX
Ravi Properties LLC
1420 Market St, Laredo, TX 78040
.6 Miles
"The food was great and very authentic Mexican. Loved their salsa too!">
Holt Cat Laredo
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Checkers Quick Lube
2720 E Kearney St, Laredo, TX 78043
1.4 Miles
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Income Tax Problems Specialists
4804 San Dario Ave Ste 17, Laredo, TX 78041
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IRS Federal Tax Relief Lawyers
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Taco Palenque Mall De1 Norte
5300 San Dario Ave Ste 173, Laredo, TX 78041
3.3 Miles
"The food is delicious! The beef and chicken are of the highest quality! I recommend the pi...">
Catia Carpet Cleaning
Serving Laredo, TX
6.0 Miles
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Laredo Life Pregnancy Center
1601 Musser St, Laredo, TX 78043
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Pediatric Specialists Of Texas - Laredo
1220 N Malinche Ave, Laredo, TX 78043
.7 Miles
Laredo Beauty College Inc
3020 N Meadow Ave, Laredo, TX 78040
1.0 Miles
Satellite Healthcare South Laredosatellite Healthcare South Lare...
802 Guadalupe St, Laredo, TX 78040
.3 Miles
Best Western Plus Laredo Inn & Suites
3110 Santa Ursula Ave, Laredo, TX 78040
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Liberty Dialysis Laredo
2309 E Saunders St Ste 200 Ste 200, Laredo, TX 78041
1.6 Miles
Culligan Laredo
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Autophone Of Laredo
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text:
Crowd Vox - Review & Rating Script / Directory Script
A complete platform to create your own community review website which is not built for just programmers, anyone can use it with ease. With features like deals, events, responsive theme, module manager, content filters and several configurations you can customize your website upto your needs without writing a single line of code. You can charge your users for upgrading their listings by using Paid listing addon.Other important features are: N-level deep categories, Ad management, AJAX enabled - yet SEO friendly, Create your own content types, Specify custom fields for your content types, No extra $$ for branding, 4 pre-made themes, compare listings, Google rich snippets support, Facebook connect, Geo map. CrowdVox can be used as product review script, hotel review script, restaurant review script or business review script like yelp.comVisit publisher site: Crowd Vox - Review & Rating Script / Directory Script
Listing Details
- Version:
- 2.0
- Filed in:
Scripts / PHP / Scripts & Programs / Reviews & Ratings
Scripts / PHP / Scripts & Programs / Classified Ads / Business Listings
- Submitted on:
- Last Updated:
- Jan 1, 2016
- Publisher:
- Crowd Vox Other listings by this publisher
License & Pricing Information
- License Type:
- Commercial
- Price:
- Additional Info:
- Starter license
- License Type:
- Commercial
- Price:
- Additional Info:
- Pro license
- License Type:
- Commercial
- Price:
- Additional Info:
- Enterprise license
User ReviewsAdd/Edit Your Review
Displaying 1-5 out of 19 reviews
With the price ranging from $250 - $500 for the simple versions of this script you get a nearly fully encrypted and poorly coded system. The redeeming qualities of this script are the fact they've provided a wealth of features, but if you want any customization you're stuck using the CrowdVox team. Finally, if CrowdVox ever went out of business you are stuck with an encrypted piece of software that you can't update that is no way to start a business.
its the best product i have used.
It has been a few days since I launched my first directory using Crowdvox and have been very impressed. I am a person from a non-technical background but the script was easy to install and configure. Icing on the cake according to me is the mobile app, great features and ease of use give the app an edge.
Having an Enterprise license of Crowd Vox proved to be a good decision that I took after evaluating many scripts available in market. It gave me complete flexibility, my needs were different as I did not wanted to have only a review website but to give my users all the information they need. I can now provide them a swift access to the vendors in their current location and in the state they are interested in. They can search businesses on tens of criteria and they are getting a list which they can arrange to see most popular, nearest and also cheapest options.
We had been using the script for past 6 months. When planned to add new features to our website the Crowd Vox team did a good work on customization (although it took longer than expected) but the result is good. We have already made the changes public and getting good response from visitors. Cheers to the team.


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Aedra, Daedra and the Dwemer (child of the 'What house did you buy' thread)
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December 10th, 2011, 21:17
I think there's a book in game called Aedra and Daedra, which goes into the differences in the god gods (Akatosh, Mara, etc.) and the daedric gods. Essentially, the Aedra (the former) are more traditional fantasy gods, while the Daedra are the super-powerful, slightly alien sort of "god" that are closer to demons in a lot of mythology. Aedra are safe to worship, but Daedra can lead you into all sorts of trouble. Not necessarily through evil, but just because it's fun to them.
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3rd Circuit Vacates Dismissal Of Copyright Infringement Claim
(Decision available. Document #16-151214-021Z.)
According to the panel of Circuit Judges Kent A. Jordan, Maryanne Trump Barry and Franklin S. Van Antwerpen, construing all facts in favor of plaintiff Steven D'Agostino,...
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text:
Article source: Boogertman + Partners
Podium at Menlyn has become the gateway to the Menlyn node, which is fast becoming an A-grade business hub. The success of the project can be attributed to the unbeatable combination of creative design talent, technical and project management expertise, the support of a dynamic interior department and a client who had complete faith.
- Architects: Boogertman + Partners
- Project: Podium at Menlyn
- Location: Pretoria, South Africa


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These basic pinto beans are a Southern favorite. They're great for parties and potluck dinners, and they go well with barbecue, tacos or burritos, and fried chicken.
The ham hock seasons the beans, but feel free to taste and add salt after the beans are tender and the ham is chopped and added back to the slow cooker.
Serve these pinto beans with freshly baked cornbread or cornbread muffins.
What You'll Need
- 1 pound dried pinto beans, soaked overnight
- 1 large or 2 small smoked ham hocks
- 2 bay leaves
- 1/2 to 1 teaspoon crushed red pepper flakes
- 6 cups water
- kosher salt and freshly ground black pepper, to taste
How to Make It
Rinse the beans in a colander under cold running water. Sort through them and discard any malformed beans or small pebbles.
Place the beans and ham hocks in the crock pot with bay leaf and red pepper flakes. Cover with the water. Cook for 6 to 8 hours on high, or until the beans are tender.
Remove the ham hock and dice or shred the meat.
Taste and season with kosher salt and freshly ground black pepper, as needed.
Serve the pinto beans with freshly baked cornbread.
Tips and Variations
- Besides cornbread, many Southerners swear by sweet or hot pepper relish or chow chow with their beans.
- Give them Tex-Mex flavor. Add chili powder, to taste, and serve with corn or flour tortillas or crushed tortilla chips.
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text:
Agricultural Development Policy: Concepts and Experiences, prepared under the aegis of the Food and Agriculture Organization of the United Nations (FAO), presents a fresh and comprehensive look at agricultural development policy. It provides a clear, systematic review of important classes of policy issues in developing countries and discusses the emerging international consensus on viable approaches to those issues. The text is unique in its coverage and depth, and it
Topics covered include agriculture's role in economic development, objectives and instruments of agricultural policy, linkages between macroeconomic and agricultural policies, sectoral policies related to agricultural prices, the role of government in the sector, gender issues in agriculture, land tenure policies, water management, agricultural financial policies, agricultural technology development and dissemination, and agricultural development strategies and rural development issues.
The book is suitable for use in university courses in agricultural and economic development, international development, natural resource management, and specialised topics in agriculture, and it serves as a valuable reference tool for policy makers and other professionals and researchers in the field of international agricultural development.


text:
Priyanka Chopra celebrates 4 million followers on Instagram
As Priyanka Chopra scored four million followers on Instagram, Bollywood's 'Desi Girl' sent out love to her virtual family, and thanked her admirers for showering her with love and appreciation.
"Four million and counting...my Instagram family continues to grow. Thank you all for the love! This is...because you," the 'Mary Kom' actress captioned the image she posted on Instagram.
The actress, who made her debut in Bollywood with 2003 film 'The Hero: Love Story of a Spy', also shared a photograph in which her face is superimposed on the names of her followers.
The 'Gunday' actress is an avid user of social media through which she stays connected with her fans and well-wishers.
Priyanka was last seen in 'Dil Dhadakne Do', and is caught up with her international project 'Quantico'.
On the home turf, she is prepping up for Sanjay Leela Bhansali's 'Bajirao Mastani', in which she will be seen essaying the role of Kashibai, Bajirao's first wife. The film is scheduled to release on December 18.


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Opened 6 years ago
Last modified 8 weeks ago
#17498 assigned New feature
Add a way to register a model with the admin but prevent it from appearing on the app index page
|Reported by:
|Owned by:
|kevchrsmi@…, samuraiblog@…
|Triage Stage:
|Has patch:
|Needs documentation:
|Needs tests:
|Patch needs improvement:
|Easy pickings:
I have come upon an interesting use case that I believe would benefit from a new option. I have a model that is normally administered underneath another model via a TabularInline arrangement. However, this model may also be a foreign key option to other models. When going to the admin page of these other models, the normal "+" sign graphic to add a model is not present (which makes sense, as it is not registered independently with the admin). However, I need the "+" sign add option to appear, but also want the object to not appear in the main index by itself -- because it should be administered via the TabularInline's underneath its normal parent object and two standard paths to the same object cause user confusion.
(There is more detail here:
http://groups.google.com/group/django-users/browse_thread/thread/99f90b66e24cfa60 .)
The patch I propose and attach is against Django version 1.2.5. It adds an option "no_index" to the models' meta class which causes an independently registered model to not appear in the main index or app index. (The patch is functional, but not pretty. If the use case and feature are deemed valuable, it might be implemented in a better way. (E.g., it only checks for the presence of "no_index" and ignores the value.))
Attachments (2)
Change History (14)
Changed 6 years ago by
|admin.sites.patch added
small patch for "no_index" meta option
comment:1 Changed 6 years ago by
|Patch needs improvement:
As regards solutions, let me add that the place I was looking and hoping for a solution was as an option to the "admin.site.register()" function. With something like "admin.site.register(kids, no_index=True)", for example. That would be much more appropriate since it's an admin issue, not a model issue. I just didn't have time to pursue an ideal solution. Thanks.
Changed 6 years ago by
|admin.sites.2.patch added
improved patch for ModelAdmin option "no_index"
comment:2 Changed 6 years ago by
|Patch needs improvement:
I just attached a new patch that implements in a cleaner way. Only touches "django/contrib/admin/sites.py" and "django/contrib/admin/options.py" and changes/adds three lines of code. Could be easily ported to other versions I think. To suppress indexing, one adds the option "no_index=True" to the "admin.site.register" function (as proposed in previous comment).
comment:3 Changed 6 years ago by
|Needs documentation:
|Needs tests:
|Patch needs improvement:
|Triage Stage:
|Unreviewed → Accepted
comment:4 follow-up: 7 Changed 5 years ago by
I created docs and tests for this, and made it so no_index would also exclude it's ModelAdmin from the app-level index as well.
Here is the pull request: https://github.com/django/django/pull/107/files
Please let me know if I did the tests wrong or something.
comment:5 Changed 5 years ago by
|Needs documentation:
|Needs tests:
|Patch needs improvement:
comment:6 Changed 5 years ago by
|charette.s@… added
comment:7 Changed 5 years ago by
|samuraiblog@… added
Replying to anonymous:
I created docs and tests for this, and made it so no_index would also exclude it's ModelAdmin from the app-level index as well.
Here is the pull request: https://github.com/django/django/pull/107/files
Please let me know if I did the tests wrong or something.
comment:8 Changed 5 years ago by
|Easy pickings:
|Patch needs improvement:
Thank you all for your work on this ticket.
While I understand and appreciate the need for excluding certain models from the general index and app indexes, I'm not sold on the suggested approach. The long-term goal for the admin is to provide more flexibility around the admin's structure and workflows, and adding a 'no_index' option would tie
ModelAdmin to the idea that an index would systematically be part of the structure.
On this basis, I'm going to reject the current pull request.
The index functionality is currently already tied to
contrib.admin.sites.AdminSite. It should already be possible to exclude models from the index by overriding the
index() and
app_index() methods, although I admit it probably wouldn't be pretty. A new API could be designed to make it prettier and easier, but I believe that should be done in
AdminSite, not
comment:9 Changed 19 months ago by
|meta option "no_index" → Add a way to register a model with the admin but prevent it from appearing on the app index page
comment:10 Changed 19 months ago by
|charette.s@… removed
comment:11 Changed 18 months ago by
I personally use this workaround, but it's undocumented:
def get_model_perms(self, request): return {}
comment:12 Changed 8 weeks ago by
|changed from nobody to heba1108
|new → assigned


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