text:
United States Bankruptcy Court
District of Colorado
The Honorable Michael E. Romero
, Chief Judge |
Kenneth S. Gardner
, Clerk of Court
721 19th St., Denver, CO 80202
Court Hours: Intake and Records M-F 8:00AM-4:30PM; Phone M-F 8:00AM-5:00PM
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Whether treating a toddler in an emergency or supporting a teen through chemotherapy treatments, we are dedicated to the care of each patient. It's through teamwork at every level of Children's Healthcare of Atlanta and with you, the family, that we are able to achieve excellence in pediatric care.
See more about us
With a proven track record of providing world-class care to patients in more than 30 pediatric specialties, we are a model for other pediatric hospitals. Infants, teens and young adults belong in a children's hospital where they can get specialized treatment from caregivers who know the important differences between children and adults.
See our clinical services
Do you have a question about your child's health? This section offers information that may help you.
View age-appropriate health information for your child.
Research is a cornerstone of the Children's Healthcare of Atlanta mission to enhance the lives of children. In conjunction with Emory University School of Medicine, Georgia Tech and Morehouse, Children's seeks answers to the most challenging childhood medical conditions through teaching and research.
We all want happy, healthy kids. But as a busy parent, helping your kids eat well and stay active can be a challenge.
At Strong4Life, created by Children's Healthcare of Atlanta, our doctors, nutritionists and wellness experts create fun, easy ways to help your kids eat, move and live healthier. From picky eaters to passionate gamers, we have a slew of simple tips by experts who understand, because we're parents, too.
As a not-for-profit organization, Children's Healthcare of Atlanta relies on the generous financial and volunteer support of our community. Your donations directly impact the lives of each family served by Children's and support many initiatives such as clinical excellence, research, teaching, wellness and charity care.
Chemotherapy (pronounced: kee-mo-thair-uh-pee), often just called chemo, is the use of medications to treat cancer. Cancer is a disease that occurs when cells in the body develop abnormally and grow in an uncontrolled way. Cancer cells tend to divide rapidly; chemotherapy works by interfering with this, thereby preventing the cancer from spreading — and sometimes even curing the disease by helping to get rid of all the cancer cells in the body.
A pediatric oncologist (pronounced: on-kah-luh-jist), a doctor who treats cancer in kids and teens, will work with other health care professionals to decide on the type of chemotherapy treatment that's best for a cancer patient.
The many different ways that teens are given chemo medications include:
Chemotherapy can be used alone to treat cancer or in combination with other cancer treatments, such as radiation therapy or surgery. Radiation therapy directs high-energy X-rays at the body to kill cancer cells and shrink tumors. Surgery helps to remove larger tumors, making the job of the chemotherapy easier. The kind of therapy someone receives is based on the type of cancer that person has and whether it has spread to areas outside where it started.
Most cancers in teens are treated with more than one chemotherapy drug; doctors refer to this as combination chemotherapy. For a lot of people, combination therapy improves the chances that their cancer will be cured — the cancer has less chance of building up a resistance to a combination of chemo drugs than it does to just one drug. (Resistance means that the cancer no longer reacts to that medication.) Another important strategy in treating cancer is giving a person repeated courses of chemo. This helps prevent the cancer cells from regrowing.
People who feel nervous about receiving chemo can ask about touring the hospital or clinic before treatment begins to help feel more at ease. They can also join a support group for teens and families coping with cancer.
A person can receive chemotherapy treatments at a hospital, cancer treatment center, doctor's office, or at home. Most teens receive theirs at a clinic or hospital and go home afterward. Sometimes, though, people who are getting chemo treatments may need to stay in the hospital so doctors can watch for side effects.
Some people receive chemotherapy every day; others receive it every week or every month. Doctors use the word "cycles" to describe chemotherapy treatments because the treatment periods are mixed in with periods of rest.
While chemotherapy works to treat cancer, normal cells — like hair cells, which also divide rapidly — can be affected, too. This can cause side effects, which are usually temporary and are different from person to person, depending on the person's age, the type of treatment, and where the cancer is located.
Some of the side effects of chemo are:
Because chemotherapy can cause long-term side effects (known as late effects), it is critical that people who have had cancer continue to get routine medical care even after their cancer has been cured. Depending on their treatment, people who have had cancer should get regular heart and lung exams, as well as blood tests for thyroid function.
It's important for anyone who's receiving chemo to tell nurses or doctors about side effects so they can help treat the problem. Doctors who treat people using chemotherapy aren't just working to cure cancer; they also want their patients to be as comfortable as possible while they're having chemo.
Chemotherapy can be frightening to think about. If you're one of the many people whose cancer is being treated with chemotherapy, your doctors, nurses, and other members of the cancer treatment team are there to reassure you before, during, and after chemotherapy.
You can also look for support from friends and family. Your friends make you feel good when you're healthy — so surrounding yourself with friends when you're sick is sure to be a pick-me-up. Phone and email are great ways to keep in touch, even if you're having a bad day. If you're afraid that your friends will feel weird or embarrassed, talk to a parent or nurse about some ideas on how to cope.
In addition to dealing with the many emotions you'll feel, you have to manage the physical stuff, too. Try these tips for chilling out more comfortably during treatment:
Once you've finished chemo, it's still important to visit the doctor for follow-up appointments. During these checkups, the doctor will want to know how you're feeling and whether you're experiencing any side effects. He or she will also check to see whether there are any signs of the cancer coming back.
Undergoing treatment for cancer can be time-consuming, scary, and sometimes painful. But for teens who beat cancer, there may be a silver lining — cancer survivors are often tougher, have a greater appreciation of what life has to offer, and possess the courage and determination it takes to follow their dreams.
Reviewed by: Donna Patton, MD
Date reviewed: May 2010
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subset: commoncrawl


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Orthopedic Physical Therapy Services and Homer Chiropractic Clinic
We wish all a happy and safe holiday weekend.
Please contact us if we can help you with any of your health needs.
The Drs. and Staff,
Refresh Pilates and Wellness Studio
Orthopedic Physical Therapy Services
Homer Chiropractic Clinic
Refresh Pilates and Wellness Studio is a family owned and operated establishment that is committed to providing the most effective treatments that achieve the fastest results. Owned and operated by Doctors of Physical Therapy and Chiropractic Physicians, Refresh is a unique health and wellness center. Our mission is to provide a safe, effective, and holistic environment for healthcare and fitness. We strive to guide patients toward a life with less pain, more energy, and an overall sense of well-being.
Our MISSION is to lead you to optimal health and wellness
Refresh Pilates and Wellness Studio OFFERS MULTIPLE services TAILORED to cater to EACH PERSON'S physical, mental, and emotional needs.
To sign up for classes please visit Mind Body Online and create an account
New to our Studio?
We recommend first time clients take either our Beginner, Restorative, or Spinecare Class


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Custom Ubuntu Server ISO
Remastering the Ubuntu Desktop ISO is easy considering the existing graphical tools but did you ever wanted to build your custom Ubuntu Server Edition ISO ?
- August 24th
- (26 Comments)
SSH as a Socks Proxy
Did you know can transform any machine that you can ssh to into a quick and secure socks proxy? I find that very useful in at least 2 scenarios:
- Trying to access an web application from a private network. A example would be to configure some network devices (nas, voip phones) that are located on a client's internal network
- When you're on a unsecure network, like a wireless hotspot and you're afraid that your password can be sniffed
- May 28th
- (No Comments)
Ubuntu SVN Setup
If you're looking over the perfect subversion setup in ubuntu you're at the right place. I'm a long time subversion and ubuntu user and I'll try to share some info on how I keep my source code safe. This article will cover how you can setup your own webdav enabled, multi repository subversion server.
- May 14th
- (No Comments)
Simple Asterisk Watchdog
Asterisk is pretty stable but from time to time it may crash so it's better to be prepared for that. A hour of downtime may cost a lot of money if you have a heavy used server. Want a quick solution to automatically restart asterisk after a crash? This little bash script will do the trick. …
- April 14th
- (2 Comments)
Byobu: Screen on Steroids
I use screen on linux for a long time now and I always knew there's something more into it but I was to lazy to customise it or learn more that basic functionality. If you don't know that the screen does and you regularly work with remote ssh sessions, especially on crappy Internet connections, than you have a big problem and you could really use a rtfm. …
- March 16th
- (No Comments)


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It took me awhile, but I've read the entire ISG report.
My detailed thoughts are over at Midtopia. Here at Donklephant I'll do the executive summary.
There's nothing earth-shattering in their analysis of the current situation, and nothing paradigm-shifting in their proposed solutions. But both are very solid, very reasonable. I came away with two impressions:
1. The report's biggest contribution may be a shifting of the debate, because it rather authoritatively makes assertions about various things that have been bones of contention for years. War opponents will be unhappy with its conclusion that Iraq is of critical interest to the U.S.; war supporters will be unhappy with a whole slew of things, mostly relating to the reality on the ground and the prospects for certain pet strategies. The analysis will be familiar to anyone who frequents centrist sites. So in a way, the ISG report is another triumph for moderates.
2. The fact that the conclusions are obvious, reasonable and workable says volumes about the alternate reality the Bush administration has been living in. Because it didn't take a genius or an expert to write this report; many, many bloggers and other observers have come up with many of the same recommendations. This is common sense stuff — and the administration somehow missed it.
I have quibbles with some of their points, and questions about the workability of others, but the overall strategy looks solid — and it's in large part the Democratic "fixed timetable" strategy, though I prefer to think of it as the "Sink or Swim" approach.
In a nutshell, here it is: Provide massive assistance to Iraq, both in troops and in aid. But also give the Iraqi government certain milestones to hit — dismantle militias by May, provincial elections in June, take over all provinces in September.
Meanwhile, we start withdrawing combat forces while increasing the ranks of advisors and trainers. Our timetable is based on the assumption that Iraq will hit its milestones, but they will occur regardless of whether that actually occurs. End result: U.S. combat forces are gone by the end of 2007. If Iraq hit the milestones, it is standing on its own (with continuing U.S. support). If Iraq didn't — well, we tried.
One question is whether it was a good idea for the ISG to suggest that solving the Iraq problem necessarily means addressing the broader Arab-Israeli conflict. On the one hand, that clearly is an aggravating factor. On the other hand, that particular issue is even more intractable than Iraq. So does that actually help, or does it just make the job harder?
Lots to chew on. My prediction: The Democrats will embrace the ISG plan and use it as a blueprint. Politically it's a godsend for them: a credible, bipartisan group coming up with a proposal that looks a lot like what many Democrats have been suggesting. War supporters will use the "cut and run" rhetoric at their peril now that the idea of a fixed timetable has received the imprimatur of the Baker Group. Bush will be hard-pressed to resist them, since "stay the course" clearly isn't working and his credibility on Iraq is about zero.


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|Scholarship available
|Written by Holyoke Enterprise
Garry Haynes Memorial Scholarship applications are now available for the 2014 fall semester.
Haynes was passionate about agriculture and education, and the Haxtun Conservation District created a higher education scholarship in his honor.
To read the full story, ask us about our e-Subscription! Call 970-854-2811.


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San Clemente & San Juan Capistrano's Natural & Organic community food stores featuring Hanson's Deli/Raw Juice & Smoothie Bar, Organic Produce, wine, craft beers and a Health & Wellness Center
*Owned and operated by locals, Proudly serving South OC. We carry what our local communities request, including; a large selection of natural/organic foods, locally baked goods, Gluten-Free, Say Free, Dairy Free, Fair Trade and Non-GMO.
DISCOUNTS: Ongoing 10% off Military/Veterans and Senior's Thursday. CUSD employees and LOCAL BUSINESS OWNERS WHO HAVE A BRICK & MORTER BUILDING IN SAN CLEMENTE, SAN JUAN CAPISTRANO OR DANA POINT (5% discount does not include beer/wine and sale items). We also have 10-15% off case packs on everything in the store.
PRODUCE: From farm to fork, and depending on the season, our produce section is 90% organic. We focus on organic/local and our prices are excellent! We often carry fruits and veggies you simply won't find in traditional grocery stores.
DELI/RAW JUICING: Our deli features Deitz & Watson meats & cheeses along with a wide range and variety of unique cheeses. We also feature unique variety of sandwiches that include veggie & gluten free. We also carry a large variety of organic salads that are constantly changing up. Our Raw Juicing and Smoothie Bar has Organic based Juices and Veggies with a bunch of healthy supplements.
HEALTH & WELLNESS DEPT: We carry a HUGE assortment of Vitamin, & Supplements and Body Care, Herbal and Homeopathic remedies along with Essential Oils, Candles, Incense/Holders, Bath Essentials, and much more. Our Wellness staff is available for your Holistic and Nutritional Questions at any time!!!
GRASS FED BEEF: We carry Rocker Bros beef Choice cuts (Iowa Beef Packers (IBP), Nebraska Beef, National Beef Packers, Harris Ranch, Swift, and USDA Certified Angus Beef.
FISH AND POULTRY: Hanson's buys local, fresh, wild caught...we filet fish 'sides' nearly every day and package ourselves to retain flavor and goodness!!
San Juan Capistrano (NOW OPEN)
32382 Del Obispo St, San Juan Capistrano, CA 92675. Cross Streets: Between Paseo de La Paz and Via Vermeulen (the old Farm to Market site with all the brightly colored tractors).
Little Italy, San Diego (COMING SOON)
|Combat colds with echinacea
When you feel a cold coming on, take up to a teaspoon of echinacea tincture in a little warm water or juice every three to four hours. Drink plenty of clear fluids (try elderberry tea), get lots of rest, and reduce your intake of sugar and dairy products. Echinacea may reduce the severity and duration of colds and flu.
|Email Our Store
|San Clemente
| Mon-Fri
San Juan


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Welcome to kiss the groom!
02.14.096 comments
kiss the groom celebrates life, love & kisses…..through photographs and personal insights….honoring weddings, family and other love stories…this site was created with love by photographer elizabeth messina….who will share some of her most intimate images….todays love story is boudoir….the beauty of the underneath….enjoy your visit….xoxo
a little more sweetness...
Feb 14-2009 , 10:06AM
Gorgeous Elizabeth! Congrats on such a beautiful and touching new project come to life!
Feb 14-2009 , 10:23AM
What beautiful images...thanks for sharing.
Feb 14-2009 , 12:59PM
I am so excited about "kiss the groom" and look forward to reading up on all your new adventures The site really does look incredible! Congrats!!
Feb 14-2009 , 12:59PM
Wow, such a beautiful post... congratulations! I'll be checking back :)
Feb 16-2009 , 03:03PM
amazing images, thanks for sharing!
Jun 28-2011 , 04:55AM
Hi Elizabeth, I have just found your site and wanted to leave a comment here at the beginning of your blog, which I am just starting to read from the beginning. I checked out your portfolio on your website and your images are absolutely stunning. Looking forward to reading the rest of your blog.
Andrea x


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- Pope Benedict XVI shakes hands with Spain's PM Zapatero
Pope Benedict XVI shakes hands with Spain's Prime Minister Jose Luis Rodriguez Zapatero next to… 18/08/11 17:22 CET
- Wozniacki slumps ahead of Flushing Meadows
World No. 1 Caroline Wozniacki continued to struggle with a dramatic dip in form this month… 18/08/11 20:40 CET
world news
- Turkey launches further military attacks on PKK rebels in Iraq
As the funeral ceremonies took place for Turkish soldiers killed by Kurdish PKK guerrillas, Turkey… 18/08/11 23:23 CET
- Key Libyan oil refinery seized by rebels
Libyan rebels seized the country's only working oil refinery on Thursday in what has been described… 18/08/11 23:03 CET
- Israeli PM vows stiff response to terror attacks
At least 14 people are reported to have been killed in three attacks in southern Israel close to… 18/08/11 20:14 CET
- China and US focus on economic confidence
Chinese Vice President Xi Jinping has told visiting US Vice President Joe Biden that China and the… 18/08/11 20:03 CET
- Washington insists Assad should quit
US President Barack Obama told Syrian leader Bashar al Assad to step down on Thursday, because of… 18/08/11 19:03 CET
- Black Thursday for world shares
The world's financial markets have again been taking a beating due to renewed worries about… 18/08/11 18:33 CET
- Turkish PKK attacks 'just the beginning'
After the deaths of nine soldiers near the town of Cukurca in south-east Turkey on Wednesday… 18/08/11 17:59 CET
- Indian anti-graft activist agrees protest deal
Anti-corruption campaigner Anna Hazare has agreed to a police offer that will allow him to publicly… 18/08/11 17:44 CET
- Syrian President should "step aside"
The US and the European Union demanded on Thursday that Syrian President Bashar al-Assad step down… 18/08/11 17:04 CET
- Berlin nights ablaze with car fires
The authorities in the German capital Berlin are becoming concerned by a upswing in the number of… 18/08/11 16:44 CET
- Former Libyan minister tells euronews of corruption
Libya's former energy minister has told euronews that Muammar Gaddafi's son Saif Al-Islam is the… 18/08/11 16:13 CET
- Put people ahead of profits says Pope
Arriving in economically hard hit Spain, Pope Benedict XVI has denounced the profit-at-all-costs… 18/08/11 15:04 CET
- '14 dead' in southern Israel attacks
At least 14 people have been killed in a series of attacks in southern Israel. The attacks appear… 18/08/11 14:09 CET
- Libyan rebels tighten grip around Tripoli
Libyan rebel fighters are putting pressure on the capital Tripoli that has not been seen during the… 18/08/11 13:14 CET
- Pope arrives in Madrid for World Youth Day
Pope Benedict XVI arrived in Madrid on Thursday for a four-day visit. His plane touched down… 18/08/11 12:34 CET
- French farmers protest over cheap imports
French farmers on Thursday staged a protest in Paris, calling on the government to introduce… 18/08/11 12:34 CET
- Turkey strikes back after ambush on military
Turkey's armed forces have struck back at scores of Kurdish guerrilla targets in northern Iraq just… 18/08/11 11:53 CET
- Biden goes to China
The US vice-president Joe Biden has launched a week long tour of east Asia with a visit to China… 18/08/11 11:13 CET
- Madrid police arrest eight in anti-Pope protests
Spanish police said on Thursday that they arrested eight demonstrators after violent clashes with… 18/08/11 10:53 CET
- Dozens killed in Afghan bombings
Two minibuses have been blown up in western Afghanistan killing at least 20 people and wounding 12… 18/08/11 10:03 CET
- Syrian military action is over – Assad
Syria's President Assad has told the head of the United Nations that all military and police action… 18/08/11 08:33 CET
- UN chief to refer Syria to the war crimes court
Syrian troops are said to be still holding hundreds of people in a stadium in the city of Latakia… 18/08/11 07:34 CET
- Hezbollah rejects Hariri tribunal indictment
Shia militant group Hezbollah rejected on Wednesday an indictment by a tribunal in the Hague… 18/08/11 07:34 CET
- Markets chilly towards Franco-German plans
Financial markets have given a cool reaction to proposals by the French and German leaders for… 18/08/11 07:34 CET
- Protesters clash with police in Madrid
As night on fell on Wednesday in Madrid, tension rose between the thousands of protesters who had… 18/08/11 07:34 CET
- Tripoli facing rebel assault from all directions
Libyan rebels say they have launched an attack on Tripoli, piling more pressure onto Muammar… 18/08/11 02:33 CET
- Turkey launches bombing raid after PKK attack
Turkish war planes have responded to an alleged attack by PKK rebels with bombing raids on… 18/08/11 00:23 CET


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Pledged to God-for now
Call it a case of delayed justice. On June 14 the Supreme Court unanimously agreed that the phrase "under God" should remain a part of the Pledge of Allegiance-at least for now. By ruling on a narrow technicality (without legal custody of his school-age daughter, an atheist father has no right to sue) the justices all but guaranteed that the emotionally charged issue will soon be resurrected. Indeed, secularists have already pledged they'll be back with a stronger case in the future.


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Interesting comment from Dovi. The Ducati is known to understeer "the bike wants to go straight". Unfortunately understeer is a fatal flaw. To correct your line you need to either increase the lean angle or the steering angle. Both increase the load on the front tire. If you are on the limit, you will lose the front end. Result: you can't enter the corner on the limit with a bike that understeers. Racing motorcycles must be designed to oversteer. This is Ducati's flaw.


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Nicknames Using racial slurs as teams' names is offensive
On Oct. 9, the Goshen news asked, "Is football team's name offensive or not?" This was based on the sub-heading, "There is no consensus among Indians on use of 'Redskins' as a nickname." Trying to justify the continued use of an offensive racial slur towards Native Americans is the same pretzel logic used when I hear white people saying, "I hear black using the n-word towards each other. Why can't I use it?" The answer is, of course, because it is offensive. So the answer to your question is: Yes. The R-word is offensive.
Furthermore, Bill Beck's childish attempt to trivialize the issue by ridiculing the efforts of those who have been vocal about being offended was lousy journalism at best, and immature ignorance at worst ("Nicknames and kids singing songs after touchdowns aren't worth the fuss," Oct. 9). Mr. Beck tried to justify the use of offensive nicknames by stating "we don't hear public outcry over the Cleveland Indians, Atlanta Braves or Chicago Blackhawks." Are you new, Mr. Beck? Concerns about those nicknames and the behaviors associated with them (the "Tomahawk Chop") have been going on for years. Your choosing to ignore them does not negate the legitimacy of the concerns about the names being offensive. It is not about being PC; it is about treating people with respect — a concept that Mr. Beck is obviously not yet mature enough to grasp given the tone of his article.
Surely, The Elkhart Truth can afford a mature and professional journalist to edit its sports pages.
Ron Chupp


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Ski Teams Shred The Competition
Feb. 2, 2004
AMHERST, Mass. - Freshman Ashley Maxfield (Craftsbury Common, Vt.) won both the Slalom and Giant Slalom races to help the University of Massachusetts women's ski team place first out of 10 teams in both the MIT Slalom Carnival on Saturday afternoon at Loon Mountain and the Brown University Giant Slalom Carnival on Sunday afternoon at Tenney Mountain.
Maxfield placed first out of 47 competitors in the Slalom with a two-run time of 1:49.62. In the Giant Slalom she beat out 50 competitors for first-place with a two-run time of 1:41.22. The wins mark the third consecutive week Maxfield has finished first in the Slalom while the GS victory was her first of the season after finishing second the last two weeks.
Sophomore Shaleighne Collins (North Reading, Mass.) also turned in a top-10 performance in the Slalom with a two-run time of 1:57.67 placing her eighth. In the Giant Slalom, sophomore captain Caitlin Doughty (North Quincy) turned in a fourth-place finish with a time of 1:43.49, while freshman Jennifer Barranger (Lanesboro, Mass.) had a solid showing with a time of 1:47.50 ranking her 11th.
The men's team had a tough outing as they finished 10th out of 10 teams in the Slalom, but rebounded Sunday with a second-place finish in the Giant Slalom. Freshman Rush Hawkins (Shelborne, Mass.) led the way in the Slalom as he placed third out of 52 competitors with a two-run time of 1:44.44. Junior Kevin Collins (North Reading, Mass.) also did well finishing 13th with a time of 1:53.90. In the Giant Slalom, Hawkins finished first out of 60 participants with a two-run time of 1:34.97. Senior captain David Pomeroy (Winthrop, Mass.) finished ninth with a time of 1:38.97.
Hawkins has placed in the top three in every race he has finished for the Minutemen (including four first-place showings), with a DQ in the first race of the season serving as his only blemish on the year.
Both teams return to action next weekend, February 7th, with the Boston College Winter Carnival at Ascutney Mountain (Vt.), with the slalom on Saturday and the GS on Sunday.
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text:
This post is by Zac Bissonnette.
Excerpted from How To Be Richer, Smarter, and Better Looking Than Your Parents by Zac Bissonnette by arrangement with Portfolio Penguin, a member of Penguin Group (USA) Inc. Copyright © 2012 by Zac Bissonnette.
I hate student loans.
In fact, I hate student loans so much that I wrote an entire book about how horrible they are, why they must be avoided, and how they can be avoided.
Unfortunately, not every single person who enrolled in college read it. Otherwise, I wouldn't have had to write this chapter— partly because readers wouldn't need it, but mostly because I would be living in some tropical tax haven sipping my fourth Bloody Mary at 11 a.m. on a Tuesday.
Anyway, two- thirds of graduates leave college with an average of $24,000 in student loan debt — wait, now it's $26,000 . . . $30,000 . . . wait for it, wait for it . . . $31,000 . . . . Forget it. I'm not even going to try to tell you how much the average student debt load is because by the time I finish typing this sentence, it'll be higher.
But what's done is done: If you're like most people reading this book, you have student loans, and now you have to figure out how to deal with them.
First, a complaint: It's become sort of chic to tell people "You can still live your life and have a lot of fun while you get out of debt!" The Cliff Notes guide to getting out of student loan debt promises its readers that they can pay off their student loans and, at the same time, "still enjoy most of your guilty pleasures."
That's true, if your goal is to get out of debt at the age of 50. Here's the deal: Every single person who has made short-term sacrifices to get out of debt sooner is glad he or she did it.
Having a bunch of student loan debt is stressful — even if you don't fully realize it at the time. The happiness of being debt- free is equal to or greater than the happiness that would come from the guilty pleasures, with the added benefit that your debt will be paid off.
Putting $1,000 toward your student loans will generate a happiness boost greater, and certainly longer lasting, than the pleasure that would come from spending it on a vacation. Just trust me on this. Please. It's so important.
It's much better to hunker down, get the debt out of your life and then move on. The low-grade misery of chipping away at it forever is just not a good deal.
The People Who Say "Don't Pay Off Your Student Loans" Are Full of Crap
Before we get into the details of the different types of student loans and their different repayment options, let me just say that the people who tell you "Don't be in a rush to pay off your student loans" are full of crap. Financial journalists are constantly telling young people not to rush to pay off their student loans for a few main reasons. Here they are:
Student loans have low interest rates. Not any more. Unsubsidized federal Stafford loans have an interest rate of 6.8%. That's much higher than current mortgage rates and about six times the interest rate you can get in a savings account. Paying off your student loans and getting a guaranteed tax- free return of 6.8% is something you should do before you do anything else.
Yes, private student loans may have lower interest rates — for now — but rising rates could send your payments into the stratosphere, as I'll discuss in a little bit.
Student loan interest is tax deductible. The thing about tax deductions is that you have to lose a lot of money (the interest you're paying) in order to save a little bit of money (the value of the tax deduction). What's more, only $2,500 in student loan interest is deductible even if you paid more. And if your income is more than $75,000 per year, none of it is deductible. So the people who borrow big to earn a lot of money (MBAs, doctors, some lawyers) often get no tax deduction at all.
If you use income-based repayment, some of your debt will be forgiven. A couple of years ago, Congress passed a law allowing for income-based repayment (IBR), which means, if you choose, you can cap your federal loan payments at a percentage of your discretionary income. If you make income- based payments for 25 years (10 years if you're working in "public service," although both of these numbers may have changed by the time you read this), whatever you haven't paid off is forgiven. For most borrowers, though, there won't be any forgiveness because you will have paid off the loan in full by then, and the smaller payments you make in the beginning will cause interest to accrue and increase the total amount you'll have to pay back. Bottom line? IBR is great if you literally can't afford to make the payments on a standard payment plan; under that circumstance, IBR can prevent you from defaulting. If you can possibly avoid using IBR, using a standard repayment plan will likely save you money in the long run.
My advice is simple: Pay off your student loans. There's no "secret" to getting out of student loan debt, and if you look for shortcuts, you're likely to pay dearly.
Zac Bissonnette is also the author of Debt-Free U: How I Paid for an Outstanding College Education Without Loans, Scholarships, or Mooching off My Parents.
More Ways to Live Well for Less
2 Responses to "Why you should pay off student loans now"
I just paid my students loans back about 2 years early last month. And yes it felt great to have my student loans paid off by 34 years of age. But it took me more than a decade to do it. That is absolutely deplorable. My wife also 34 has ten of thousands in student loans left to pay. I suspect we will be in our fifties before we get it paid off.
That is terrible for our society to be in this place. But our society tells us to go to school get a job and work hard so you can make money. And that's what we do, seemingly all of us.
I feel like I owe my parents a lot of kudos for insisting I only keep $100 from each paycheck in high school for spending the rest went into a GET program.
I graduated early with a Bachelors and only 2,000 in debt. And I have a grace period until September which I'm taking advantage of. I work full-time (dead-end and minimum wage job right now) and am putting my extra money (which isn't much right now) into the loan.
I hope to be debt free by December. I also hope to find a job that makes use of that college education I paid for. Time will tell.
Sorry, the comment form is closed at this time.


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Dwayne Lemon's Personal Testimony Interview
The personal testimony of Elder Dwayne Lemon from his involvement as a professional hip-hop choreographer and dancer who worked with artists such as Heavy D and Brandy to giving that up to be a Seventh-day Adventist medical missionary evangelist. This powerful interview is from Atonte Myers's 3 ABN Radio program called "Cross Roads." NOTE: The speaker has authorized that this interview be posted on this website.


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Hey all,
I saw a post on another board about a couple books about cycling- fiction. "The Tour", and "The Race" by Davie Shields. Relatively new author, and a cyclist to boot. I thoroughly enjoyed them; if you're looking for something cycling related to read between Tour de France stages, I can recommend these.
I posted some praise on his website and asked about sequels, and got a nice reply in a couple hours.
I got mine on Amazon. haven't seen them in local stores though.


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the state and federal level, and a very specific contract with the HHSC.
"The challenge from our perspective was that the contract vehicle was very detailed and prescriptive," he said. "It was very inflexible."
The HHSC built the call centers into its plans with the federal government so it wouldn't have to start a separate approval process for the call centers, according to the report.
"We spent a lot of money on the application, so we just didn't want to throw it away," said Gary Gumbert, the HHSC's CIO. "Why go out and have to go through certification again? It's a waste of money."
Deadline Pressure
The first call centers were scheduled to open in late January 2006 - a pace that became a problem when TIERS wouldn't cooperate with another program slated to power the call centers, according to Flood's report. Instead of pushing back the schedule to allow more time for getting the programs working together, managers stuck with the original timetable and had call-center workers enter enrollment data into TIERS and SAVERR concurrently.
By that time, however, hundreds of HHSC employees who were proficient in SAVERR had taken new jobs because their offices were being replaced by call centers staffed by the contractor's personnel. The low cost of operating and staffing phone bays rather than lots of small local offices was one of the call center plan's most attractive parts. The Texas Legislature hoped to save hundreds of millions of dollars from the switch.
In practice, however, losing that much institutional memory may have come at a heavy cost. "The amount of training was different for the contractor staff, who were brought on in great numbers," Flood said, "but had almost no background knowledge."
Gumbert said getting staff - new and old - comfortable with the new program, when some had been using SAVERR for 30 years, has been a huge challenge, but an unavoidable one.
"I wish I could make it easy, but it's just painful for the current staff," he said, adding that the agency is hoping to set up new training labs to help bring employees up to speed.
Things You Can't Plan For
Any large program like TIERS runs within some margin of error, McCurley said. For instance, SAVERR had an error rate of 5 percent to 7 percent. But TIERS was under the microscope because of the hype associated with the call center switch. When the pilot indicated there were problems with the application, public outcry was swift because social services are of such vital importance and under such close watch by the media.
Furthermore, it's difficult to predict how employees will adapt to new programs and which mistakes they will make, McCurley said, explaining that those factors are why an agency starts with a pilot and makes adjustments to employees' actions.
"No matter how good a job you do of drawing up the process in a lab, [employees are] going to do what they're going to do," he said. "You really have very little control over their behavior."
The HHSC cut off its call-center contract with Accenture in March, and the controversy around TIERS and the push for private call centers came to a boil in April, with the release of Flood's report and a series of Legislative hearings. House committees questioned Albert Hawkins, executive commissioner of the HHSC, on management decisions and ultimately put the program under closer Legislative oversight.
"When you're doing a project this massive, it's a best practice to be sure you have a single point of oversight," Flood said. "That oversight makes sure that the technology side of the house communicates with the business side of the house. So it's not a tech marvel that produces


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Judi Laird German Design brings a little bit of Germany to you with our German lace curtains and drapery fabrics. Our online store features quality prepackaged, German lace curtains and elegant drapery fabric for you to make your own curtains and draperies.
If sewing is not "your cup of tea", let Judi custom design and make your curtains and draperies for you. You supply the dimensions and select the fabric, and we do the rest. If you live in Western New York State, Judi can take the measurements for you.
We also carry Rollac Rolling Shutters and Blaurock Windows and Doors to protect your windows from flying objects, make window openings more energy efficient and provide greater security.
German Drapery Tracks - As Seen on HGTV!
To learn more about these amazing German Drapery Tracks, watch the video below or give us a call. You can also order tracks online. Click Here!
I listen before we begin


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I noticed that the Zimbra server doesn't check the e-mail for spam when the pop3 connector is used, but only checks e-mail for spam when the e-mail comes directly to the Zimbra server.
i believe that this is because when e-mail comes directly it is routed through amavisd which parses it through the spamassassin and clamav, but when POP3 is used and the e-mail is brought from another server it is not scanned because it doesn't go through amavisd.
Is there a way to make it run spamassassin against this mail as well?


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hey, i'm building my wheel right now and i have a few questions.
what side of the flange is my key spoke suppose to run on?
also, is it crucial to have 2 over and one under for the 3 cross? or can i do 2 under and one over?
if someone wants to help me out, please im me (if i exploded = my screenname)


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See All Contributors »
One of Nebraska's starting offensive lineman, pulled his best Pierre Pierce imitation over the weekend. In addition to being suspended from the team, he is still in jail.
Typical Omaha media coverage of the incident was buried on 4th or 5th page of the World Herald sports section. A very small article. Their website doesn't even have the story posted.
Give the Lincoln Journal Star credit for posting it on their website.
HuskerExtra.com - Lincoln, Nebraska - Huskerextra - Football
I saw this last night at the bar on the ESPN bottom line. Didn't catch what happened other than a Husker offensive lineman was suspended and in jail.
World Herald finally starting to pick up the story. Wasn't on talk radio yesterday, but they are discussing today. Pretty serious issue based on the bail amount, and the charge. In order to have 1st degree sexual assault there needs to be "penetration". The same judge yesterday set the exact same bail for a guy raping a 5-year old. Call in show is trying to rationalize his behavior.
On a related note 3 current and 2 ex-Cornhuskers were also arrested over the weekend. Charges seem very minor - college kids doing what college kids do, so I am certainly not throwing stones. But for Purify it is his 4th run in with the law in the last 10 months. First issue was slapping a girl in a bar, second DUI, and the 3rd was a probation violation for driving with a suspended license. The 3rd offense is just coming to light today. But happened in October, but conveniently swept under the rug because they had games still to play last fall.
Omaha.com Sports Section
HuskerExtra.com - Lincoln, Nebraska - Huskerextra - Football
huh... why didn't Garn91 post any links about this.....?????.....
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VIA Contributors
Behind every VIA article there's an intrepid reporter risking sunburn on an exotic Tahitian cruise, indigestion on San Francisco's best food tours, and over-exfoliation in the West Coast's most relaxing spas. These are the men and women who lived to tell the tale.
Melissa Carter
Melissa Cater is based in Castlemaine, Australia. She has written extensively about travel in the state of Victoria.


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Jump to:Page Content
"Comparative Tax Policy and Administration was an extremely useful and educational two weeks. I will be working with my colleagues to try to implement lessons and ideas from the program. "-Weston Stacey, Executive Director, American Chamber of Commerce
-Weston Stacey, Executive Director, American Chamber of Commerce
ComTax is not a course on the fundamentals of taxation – all ComTax participants are expected to be familiar with the basics. Nor does ComTax provide training in the implementation of a particular tax system. Instead, the course deals with the most difficult topics in the design and implementation of tax systems from a strategic and tactical perspective.
Specific topics include:
The context of taxation – Links taxation and national development strategies, expenditure policies, and sub-national fiscal challenges.
Comparative tax policy and administration – Develops and applies an innovative methodology for the design and assessment of tax systems.
Tax reform – Examines alternative strategies for improving tax systems.
The Case Study Method- To take advantage of participants' considerable expertise and experience, the course relies heavily on participant interaction. ComTax complements its core lectures and group exercises with extensive use of the case study method pioneered at Harvard. Case teaching starts with an account of a specific real-world situation and works through a rigorous examination of that experience, the choices made, and their consequences. Through analysis of the experience and interactive discussion, participants learn approaches they can use to understand and act effectively in the concrete situations they face in their work.
A sample of the cases that will be used during the program:
Liquor Tax Reform in Thailand: Competing Interests and Objectives
Income tax cuts for individuals and businesses, ambitious government spending plans, financial assistance for citizens affected by the December 2004 tsunami, rising costs of the national healthcare system, and public pressure to curb alcohol consumption all contributed to the Government of Thailand's decision to consider raising its excise taxes on alcoholic beverages. By September 2005 the Thai cabinet had to make a decision on reform of the system of liquor taxation. The current scheme was a mixed system that charged excise taxes based on both liquor values and the quantity of alcohol content, whichever yielded higher revenues. The cabinet caught between the competing interests of its own revenue needs, the profit objective of local producers, and consumer preferences and welfare was considering three options for reform proposed by the ministry of Finance's Excise Tax Department. The case reviews key factors that affected the conditions and desires of each stakeholder, as well as provides an international comparative perspective on the taxation of alcoholic beverages.
Mastering Trade Policy
Designed to enable trade practitioners at all levels to analyze, formulate, negotiate, and implement effective policies and practices in the field of trade.
Leading Economic Growth
Enables participants to diagnose their current municipal, regional, or national economies and develop new investment promotion strategies for optimal growth.
Public Financial Management
Every country around the world has embraced public financial management reforms over the last two decades, but many simply have not met expectations.
Copyright © 2016 The President and Fellows of Harvard College


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The Logistician Emeritus Award is presented to an individual who has demonstrated outstanding competence and has made a substantial contribution in the field of national security logistics while serving in a governmental position. The award was established by the Logistics Management Division in 1980 as a means of recognizing deserving individuals.
Congratulations to Mr. Randy T. Fowler, Director and Principal, Lockheed Martin Aeronautics, recipient of the Logistician Emeritus Award, presented March 16 in Washington, DC at the 31st Annual NDIA National Logistics Forum.Pictured left to right: Hon Alan Estevez, Principal Deputy Under Secretary of Defense (AT&L); Mr. Randy Fowler, Lockheed Martin Aeronautics; Gen Duncan McNabb, USAF (Ret), Chairman, NDIA Logistics Division.
2014 Logistician Emeritus Award Recipient:MG Kevin Leonard, USA (Ret), Vice President Contingency Operations, Fluor Government Group, recipient of the Logistician Emeritus Award, presented April 14, 2015 in Washington, DC.
2013 Logistician Emeritus Award Recipient:Ms. Debra Tune, former Principal Deputy Assistant Secretary of the Air Force for Installations, Environment and Logistics, recipient of the Logistician Emeritus Award, presented June 13, 2013 in Arlington, VA.
2012 Logistician Emeritus Award Recipient:Gen Duncan McNabb, USAF (Ret), former Commander, U.S. Transportation Command, presented March 28, 2012 in Miami, Florida.
2011 Logistician Emeritus Award Recipient:Justin D. McCarthy, USN (Ret), President, Silver Eagle Consulting, Inc., presented March 31, 2011 in Miami, Florida.


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Kids online educational games offer an opportunity for learning at the touch of your fingertips, and by choosing the right online game, you will be able to target learning to specific subjects and ages.
You see the same thing over and over again on the internet, Free Learning Games! Great Kids Online Games! But which web site to trust?
As parents we know what we want for our child, but with so many websites out there it is very difficult to know which ones to choose.
On this page, I have included kids game favorites that will meet your expectations and make learning fun, entertaining and enjoyable.
By choosing games on particular subjects you can offer a way to supplement your child's learning, and because of the interactive nature of kids online educational games, children will find these games fun and exciting.
However, it is important to choose games that is suited to your child's age and ability, otherwise these games can do more damage than good.
Also, do not let your child use the internet unsupervised, and to be on the safe side, ensure that you use the parental controls on your computer, or use reputable Safe Surf Software to protect your child when online.
Just follow these links to find reviews of the best Educational Web Games available on the internet today.
The Toddler Online Learning Games, lists the best online toddler games, and should be all that you need to give you peace of mind, while educating and entertaining your little one.
If you are worried about very young children using the computer, it maybe worth looking at computers and software designed particularly with toddlers in mind, but even very young children are able to make good use of a PC or Laptop, and there are many games that teach shapes, colors, numbers and letters.
Here are some of my favorite free online games for toddlers, and as they play these games, your child will also be practicing their fine motor skills, as their mouse and keyboard skills improve
In fact, rather than being to worried about using the computer, I would be concerned if a child is using an adult chair and desk to play kids online educational games.
Adult computer chairs tend to be on wheels, and as children become so engrossed with what they are doing, they could easily fall and hurt themselves.
For their safety it is definitely worth looking at children's table and chairs that are designed to suit their size.
Once your child has got to grips with a keyboard and mouse, take a look at these Free Online Preschool Games, where they can start building on other skills, such as shapes, color, numbers and letters.
Also, have a look at LittleKidsGamesOnline.com, it's full of ideas online games, downloadable games, children's video games, virtual world fun, kids coloring pages, party games ...and even kids' games for a baby shower!
Online Math games seem to work particularly well, and I have included a special page with a selection of Free kids online educational games for Math.
When teaching children new concepts, it's always helpful to use things they are interested in. What child isn't familiar with Thomas the Tank Engine? There are many wonderful and educational Thomas games available online that introduces basic reasoning skills to younger children. Visit Toy-Train-Store for more information on Thomas and Friends Online Games.
Kids online educational games offer an opportunity for learning at the touch of your fingertips, and by choosing the right online game, you will be able to target learning to specific subjects and ages.
English online games offer a way of learning spelling, punctuation and vocabulary, that is interactive, reward based, and more often than not the leaning objectives are masked into the enjoyment of the game. Here are some of the best online English games websites for the over 8s.
After trying kids online educational games, you may want to consider buying some dedicated educational software.
There is a good variety of kids educational games software available, that can either be used to supplement specific subjects, particularly if your child is struggling in any area of their education, or that could be used to introduce new ideas and education subjects to children.
Check Out These Educational Computer Games For Kids


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Data is your organizations' most valuable asset. When mixed and matched in the right ways, it can reveal new opportunities, unseen threats, and areas for business improvement.
While mountains of data are collected to capture valuable intelligence, information is often scattered across the business. Living in multiple and often overlapping locations – from application siloes to spreadsheets on personal computers – knowledge is hard to attain, let alone shared and applied in an effective, meaningful way.
Hey Past, Are These Events Important?
Sprawling data records also jeopardize business outcomes, especially when events are thrown in the mix. A sound reference point is required to understand the historical significance and contextual relevance of activity as things change (i.e. are a negative post on a social network and a returned product the same customer?).
Unless intelligence is up-to-date and consistent across all access points, business decisions and performance will be compromised and less effective – stunting overall growth and exposing the organization to unnecessary, avoidable risk.
Set the Record Straight: A Single Version of Truth
TIBCO's master data management (MDM) platform delivers the governance processes needed to construct and effectively maintain a centralized source of accurate intelligence.
- Multi-Domain Platform: Delivers powerful control over a wide range of data assets – including product, customer, and vendor information
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- Stickler for Quality: Automated processes can be customized to enforce validation and quality control – ensuring records stay clean and consistent (spans geographic, line-of-business, third-party, and application silo boundaries)
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- Spot & Act on Insights Faster: Speed time-to-insight and action by allowing business users to directly access, manage, and visually interact with master data repositories
- Accelerate Time-to-Market: Introduce new products and services faster with a richer source of product, customer, and vendor data
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MDM Products
- Create a unified source of accurate data with TIBCO® MDM
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Learn how TIBCO's MDM platform empowers your enterprise with a single trusted source of master data. (02:54 min.)
How the Yellow Pages Group transitioned from phonebooks to an online directory with TIBCO MDM.
Enable systems to use imperfect data – errors and all – with the unique TIBCO® Patterns
Amplify cross-channel analytics with TIBCO Spotfire®
Capture and act on data-driven events with TIBCO BusinessEvents®


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So, hazards.
Should I look? It's 1 mile away from where I currently live.
I figure, I need it inspected; I need to figure out who has liens and if they're all being released; and I need to find out if I can put $2000-$3000 down (it's $17,000 guys, $3400 is 20%) and get a $15k mortgage. I know it needs a level of work, I can do that, I'll own it. Tax assessment $1,300/year property taxes.
Dad of course says stay away, it's in crime central; but you know how that is. More blacks means more crime, Baltimore city is a black area, therefor I'm right in the middle of a crime sewer. I bicycle through this stuff every day (not lately), my experience says different and the city has a surprising amount of life for a rundown slum inhabited by poor people. I've walked through the most dangerous areas (even past a shooting, actually) barefoot seven miles at 3am, an... awe-inspiring experience; people who probably could barely afford food were outright offended that I wouldn't accept their help, but how can I take things from someone to solve a temporary problem when they live in a worse situation perpetually? As hard as that walk was, it was one of my favored experiences at the time... I learned something, I don't know what but it was important.
It's 2 years of rent (I pay $725/mo), if I can get a $15k mortgage....