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Thank you for visiting our website! Below you will be able to find the answer to Banks of 2000s TV talk crossword clue which was last seen on LA Times Crossword, March 16 2017. Our site contains over 2.8 million crossword clues in which you can find whatever clue you are looking for. Since you landed on this page then you would like to know the answer to Banks of 2000s TV talk. Without losing anymore time here is the answer for the above mentioned crossword clue:
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|The Miners of the Lone Star St.
|Eurasia's __ Mountains
|Fundraising gps.
|Caesar's France
|Marner of fiction
|Hindustani language
|What Dobermans do for dinner?
|Retro wall unit
|Titanic undoing
|Not very bright
|Super-cold concoction at Baskin-Robbins?
|Yale alum
|Longtime Yankees announcer __ Allen
|First to play James
|Tall and lean
|"Sadly ... "
|World's stealthiest detective?
|Got out of bed
|"So __ say"
|Crowd-sourced review site
|Asian takeout option
|Little trickster
|See 56-Down
|Cutest Baby contest champion?
|Security briefing org.
|Clothing part that might split
|Epic tales
|Singer James
|Massage epiphany?
|Agenda detail
|Gets mud on
|Phi __ Kappa
|Banks of 2000s TV talk
|Doing business
|"The Osbournes" patriarch
|Brand of sheepskin boots
|Italian capital
|Fallback option
|__ Today
|"I was out of town," e.g.
|Approach midnight
|Place to hoist a pint
|DBA followers
|Madison Ave. field
|In-your-face challenge
|Feudal laborers
|Protective barrier
|El __
|Dole out
|Like birds with worms, so it's said
|Designer Schiaparelli
|Cowardly Lion portrayer
|Facing serious trouble
|Singer who formerly stylized her name with a dollar sign
|"__ du lieber!"
|Yarn purchase
|Catch sight of
|Many a gospel song
|Uruguayan money
|Nail a test
|Like Oscar Wilde
|Mackerel relative
|Beatnik's "With ya"
|Repeating movie role for 51-Across
|Animated bug film
|Time at a hotel
|Org. for docs
|Pint to drink
|AOL alternative
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text:
Antrim Community Memorial Gymnasium
- Located on School Street, adjacent to Antrim Elementary School
- Parking: Use Main Lot between Great Brook Middle School and Gymnasium
- Hours: Available by assignment/rental through Recreation office
- Subject to availability and qualifications: Monday-Friday between 4pm and 10 pm; Saturdays and Sundays.
Shea Field
- Baseball, Softball and Soccer fields, Antrim Recreation Storage Building and Concession Stand.
- Located on School Street, just before the Antrim Elementary School.
- Field is available for use by assignment through recreation office.
- Special Rules: No dogs or horses are allowed on the field.
Memorial Park, Cram Grove, &Mill Pond
- Tennis Courts, Bandstand, Basketball, Fishing, Picnicking
- Located on Jameson Rd.
- Hours: Park is open daily till 9 PM throughout the year.
- Special Rules: Glass bottles are a real problem for the courts, grassy and picnic areas. Please bring your beverages in unbreakable containers, and, of course, please don't litter!
Gregg Lake Beach
- Swimming, Boat Launch, Picnic Pavilion, Swings, Summer Programs
- Located on Gregg Lake Road
- Hours: Daily until 9pm. During summer, public bathrooms are open from 9-5 pm.
Special Rules:
- No dogs or horses are allowed on the beach or the point. Dogs are permitted at the boat launch area.
- When lifeguards are on duty, no float toys are allowed in the guarded area.
- US Coast guard approved life vests are allowed if the child is being properly supervised by an adult guardian.
- Children under the age of 12 must have a parent or qualified guardian supervising them at the beach.

subset: commoncrawl


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Kheimerl necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 80 diseños de 19 diseñadores freelance.
new:http://tier.airjaldi.net/ old:http://tier.cs.berkeley.edu/
The TIER (Technology and Infrastructure for Emerging Regions) group is a research group at the University of California, Berkeley focused on the development of new technologies for under-served populations throughout the world.
The aim of the TIER project is to address the challenges in bringing the Information Technology revolution to the masses of the developing regions of the world. Historically, most projects that aim to do this rely on technology that was developed for the affluent world, but these imported technologies fail to address key challenges in cost, deployment, power consumption, and support for semi- and illiterate users. Some example technologies include long-distance wifi, capable of over 10mbps across hundreds of kilometers, and software suites that allow for multiple users to share existing educational games.
Our audience is broad, encompassing both the academic and industrial spheres. As the logo will be used in both the physical and cyber worlds, it should be inviting to students passing by our space as well as parties deeply interested in international development.
In essence, our audience is anyone potentially interested in the role technology can have on international development. We seek to invite participation from all interested parties, across the university and the world.
We are currently reorganizing the research group to attract new students and donors. Towards this end, we request designers submit possible logos for use on our newly designed website (currently located here: http://tier.airjaldi.net/) as well as on swag and our physical research space at CITRIS (http://www.citris-uc.org/).
The logo should not be overly large, and must be approximately square, as to allow it on both the website and swag. It must also integrate well with the overall UC Berkeley style guidelines (http://identity.berkeley.edu/guidelines/), as that is the color scheme we are using for the new website.
Lastly, our goals are to change the world using technology. The logo should personify this in some regard, signalling these broad aims of the TIER project if at all possible. However, the group is large, and any logos using specific TIER projects must take into account this diversity of ideas.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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ENGS 170: Neuroengineering
This course will introduce students to currently available and emerging technologies for interfacing with the human brain. Students will study the fundamental principles, capabilities and limitations of a range of relevant technologies within the scope of noninvasive brain-computer interfaces, neural implants, neurostimulation, sensory substitution and neuroinformatics. The ethical and societal ramifications of these technologies will also be considered. Applications of neuroengineering technology in medicine will be emphasized such as the diagnosis and treatment of neurological diseases and neural rehabilitation.


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DENVER (AP) Pitcher Jhoulys Chacin and the Colorado Rockies avoided arbitration by finalizing a $6.5 million, two-year contract on Tuesday.
The 25-year-old right-hander is coming off an injury-plagued season in which he went 3-5 with a 4.43 ERA. He missed more than three months with shoulder inflammation.
Chacin gets $1.65 million this year and $4.85 million in 2014. He had asked for $2.6 million in arbitration and had been offered $1.7 million by the Rockies.
Colorado hopes the hard-throwing Chacin can develop into a staff ace. He has the second-lowest career ERA (3.68) by a Colorado pitcher who's had at least 50 starts.
A native of Maracaibo, Venezuela, Chacin was signed by Colorado as a free agent in September 2004.


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Camp Craft Week Project #2: Egg Carton Bird Feeder
Egg Carton Bird Feeders are a great way to recycle egg cartons while feeding the beautiful birds of the world. With minimal supplies, you can create an eco-friendly way to invite little guests into the yard.
Egg Carton
Bird Seed
1. Carefully cut off top of egg carton and punch hole in four corners.
2. Cut two pieces of string about a foot long each.
3. Thread string through holes diagonally and tie ends into knots over corners. Use a dab of glue for extra security.
4. Add bird seed and enjoy the birds!
Do you want to win the supplies to make this project?
Just enter below!
As featured on Apartment Therapy.


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Medical Evaluation Tools
We recognize how important the proper evaluation tools are to your practice. ProMed Products Xpress is a proud supplier of virtually every major manufacturer in the marketplace. We offer the right tools to assist you in properly evaluating your clients such as; Diagnostic Tools, Range of Motion Measurement, Scales and Stadiometers, Strength Testing equipment, and base line establishing medical equipment for vital signs. Read More Read Less


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TO: Creditors, debtors and other persons interested in said Estate
Felicia Hayes, Administrator of the estate of Doris V. Brown Lindsey, has applied for grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the granting of such powers must be in writing, setting forth the grounds of any such objections, and must be filed with the Probate Court on or before August 6, 2012 at 10:00 a.m. All pleadings/objections must be signed before a notary public or before a Probate Court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact Probate Court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition for grant of powers may be granted without a hearing.
DIANE HALLMAN, Probate Judge
36 South Main Street
Baxley, GA 31513
J. Alexander Johnson
Attorney for Petitioner
132 W. Parker St.
Baxley, GA 31513
7-11, 7-18, 7-25 & 8-1ch
gpn18 NOTICE PROBATE COURT OF APPLING COUNTY STATE OF GEORGIA RE: ESTATE OF DORIS V. BROWN LINDSEY
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Welcome one and all to the open thread hosted by the (wonderfully amazing and always interesting) commenter driven Hackerspace and its parent blog Lifehacker. So, any hacks, diys, cool new things you wanna share? Questions you want answered? Things you really want done but don't know how? Well come on in and post!
Wanna join our happy little community? Ask to be an author in the comments!
Image source: youtube via wifflegif


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Cut out, combine and create amazing images. Anywhere.
Get the app that brings serious Photoshop editing to your mobile device. Photoshop Mix lets you cut out and combine elements from different images, blend layers and apply looks on your iPhone, iPad or Android device — all compatible with Photoshop.
Photoshop Mix in action.
Photoshop Mix offers advanced imaging in a simple-to-use mobile app that lets you easily share your work. Seamless integration with Adobe Creative Cloud means you can work with other desktop apps like Photoshop and Lightroom.
Cut out and remove portions of your images, merge them with other images using multiple layers and create sophisticated blends by controlling layer opacity.
Enhance or adjust an image or apply one of over a dozen looks to select areas or your entire image.
Upload your work to the Photoshop Mix community on Behance to get kudos and feedback.
Do more on your devices
Easily move images between Photoshop Mix and Photoshop Fix to get the complete picture. Or edit using the new Apple Pencil on your iPad Pro, and work with files up to 64 megapixels.
Learn & Support
Learn Photoshop Mix with our easy-to-follow tutorials, or find answers in the forums and FAQ.
Connected to Creative Cloud.
Photoshop Mix integrates seamlessly with Creative Cloud so you can open and edit your Photoshop files and Lightroom images on your mobile device, make edits using powerful features like Upright and Content-Aware Fill, and export your work to Photoshop and Lightroom if you want to take your creations further. It's all powered by Adobe CreativeSync.
Creative Cloud brings together the world's best creative apps for desktop and mobile, plus more connected ways of creating and sharing. Learn more ›
Related apps


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Browsing Working papers by Author "Hald, Kim Sundtoft"
Now showing items 1-1 of 1
Using the force of partner attractionHald, Kim Sundtoft (København, 2005)[More information][Less information]
Abstract: Company performance is increasingly affected by a range of external factors embedded in a complex network of action controlled by other companies' in its environment. A well managed company, it's argued, is one that is aware of these external factors, and one who in response seeks to implement tactics maximizing own influence and control over them. Information gathering and model building are tactics normally used in this effort. However, in this article we discuss a third tactic, the tactic of attraction in dyadic relationships. Founded on the theory of social exchange and based on literature reviews on long-term-orientation in relationships and relationship value we develop a conceptual model highlighting the components of attraction in business to business relationships. First we demonstrate how the force of attraction can be understood as partners expected relationship value and how expected relationship value in turn is strengthened or weakened by partner- comfortability and dependability. Then we show how partners perceived attraction towards an industrial company can be managed using a combination of structural- and behavioral adjustments. Key words: Inter-organizational relationships; Relationship Management; Relationship-value; Attraction. URI: http://hdl.handle.net/10398/6293
Files in this item: 1
Now showing items 1-1 of 1


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Farewell, Smallville! May 17, 2011Posted by pacejmiller in Entertainment, Misc, Reviews, Shows.
Tags: Chloe Sullivan, Christopher Nolan, Clark Kent, Henry Cavill, Justin Hartley, Kristin Kreuk, Man of Steel, Man of Steel 2012, Michael Rosenbaum, new Superman movie, Season 10, series finale, Smallville, Smallville finale, Superman, Tom Welling, Zack Snyder
5 comments
The other night I watched the series finale of Smallville, a show I stubbornly kept watching deep into its 9th and penultimate season despite steeply declining quality. But eventually it got so bad that I was falling asleep and realising that I was wasting my time. So I stopped watching it altogether, even though I knew I had to come back to watch the final episode — the episode where Clark Kent finally takes off to the air and becomes Superman.
Amazingly, despite having missed around 25-30 episodes, it wasn't all that hard to pick up again. Clark and Lois were engaged and about to get married. Oliver Queen, aka the Green Arrow, was still around (I seriously thought Justin Hartley, the actor who played him, would have gone off to bigger and better things ages ago), as was Chloe Sullivan (Allison Mack), Clark's friend right from the first episode. The final bad guy, I gathered, was this smokey fella called Darkseid (pronounced 'Dark Side') with red eyes that can control/possess people, and the ultimate crisis was a massive armageddon-inducing planet (Apokolips) on a collison course with Earth.
Those returning for the final bang included Annette O'Toole and John Schneider as Clark's parents, even though the latter has been dead for like 5 seasons. And of course two of my favourite characters from the show over the years, the villains, Lex and Lionel Luther (played by Michael Rosenbaum and John Glover). The quality of the series really nosedived when these two went MIA, and it was great to finally get them back.
Curiously missing, however, were Lana Lang (Kristin Kreuk — boy has she disappeared since the series…well, she was in that Chun Li Streetfighter movie…) and Clark's old best friend Pete Ross (Sam Jones III, who has since gone on to become a porn star and is currently facing up to 20 years prison for dealing drugs).
I can still remember the first time I watched Smallville on TV, which began in October 2001. Even though I wasn't a Superman fanatic I still had to watch it. After all, how could anyone not like Superman? Tom Welling was still a fresh-faced 24 year-old playing a teenager and the show was set in high school, with your typical Superman mythology arc spliced with your 'monster of the week' (or Chloe Sullivan's 'Wall of Weird') episodes.
The series was fresh and it was exciting. For some reason this Clark Kent was more of a bumbling fool and tool rather than the highly intelligent Man of Steel we have come to know, and Tom Welling did an excellent job of an often thankless role. Michael Rosenbaum was the real star of the show for me as the confused, destined to be evil Lex Luthor, and with the outstanding John Glover as his father Lionel it was easy to picture his eventual transformation.
The soundtrack was also always very good, featuring a collection of popular hits and trendy up-and-comers.
But as with all long-running series (apparently Smallville is the longest-running sci-fi show in US history), there comes a time when the writers run out of ideas. For me the show still retained a certain level of quality when Kristin Kreuk departed because Erica Durance made a wonderful substitute as Lois Lane, but unfortunately they could not make up for the losses of Rosenbaum and Glover. Even with clever ideas such as introducing the Green Arrow and having arcs involving members of the Justice League, things quickly started to get stale.
Personally, the show hit rock bottom when they started the film rip-offs (from about the 8th season onward), taking ideas from feature films such as Saw (even with a masks and puppets, I think) and getting really lazy and predictable with the progression of each episode (always ending with Clark coming to save the day).
And when the show started to dig really really deep into the Superman mythology vault for the complicated, convoluted stories in its final two seasons, that's when I really switched off.
That said, on the whole, Smallville is still a fantastic series with a finale that didn't disappoint like I thought it would. It was more of a 'personal discovery' episode that tied up all the emotional loose ends as opposed to an action-packed one, but that was perfectly fine with me. I was amazed to see how much everyone had aged throughout the years from the various flashback sequences. Clark Kent really did grow up into Superman.
From day one, the show was all about its finale, and I don't think anyone expected that to be 10 years away from the pilot episode. When Clark donned THE suit (I believe borrowed from Brandon Routh) and rocketed up in the sky at last, as we knew he would, he finally fulfilled a 10-year prophecy. Watching it sent tingles up and down my arms.
Farewell, Smallville!
PS: Now we await the new Zack Snyder directed Man of Steel movie (and Christopher Nolan produced) with Henry Cavill (the guy from The Tudors and who Stephenie Meyer originally wanted as Edward Cullen) as Superman, due for release in December 2012.


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NASHVILLE, Tenn. (AP) - Jason Aldean and Kelly Clarkson are among the first performers announced for this year's Country Music Association Awards.
The two stars, who teamed to win a trophy last year at the ceremony, will be joined by Dierks Bentley and Little Big Town on the broadcast.
Aldean is up for three awards this year, including top honor of entertainer of the year, and Clarkson has been nominated in the female vocalist of the year category, her first solo nomination.
Bentley is up for three CMAs, including album of the year for "Home," while Little Big Town also has three nods.
More performers will be announced later.
Carrie Underwood and Brad Paisley will host the Nov. 1 awards, which will air live on ABC from the Bridgestone Arena in Nashville, Tenn.


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Latest News
The Latest Blackhole Show 2005 ( January ) (2005-01-14)
We ring in the near year with a visit to Japan for the latest installment of the Blackhole Show. Designed for airsoft enthusiasts, the Blackhole show is a showcase for airsoft gun and accessory manufacturers alike, although recent years has seen the show change more into a military surplus and trading fair rather than a true expo. However, a few anchor tenants were thankfully on hand to offer some new information in the airsoft world!
As usual, we quickly walked over to the well-lit Marui booth to see what this airsoft giant had in store for this year. Marui had set up a huge netted area where several people were demonstrating the new G18C AEP - nailing consequetive metal targets in full-auto mode. But the most exciting part was the display cabinet that housed several molds of up-and-coming AEP models, which includes the 93R, 92F and USP! On display were also quite a few accessories that will soon be available for the G18C AEP, including a long magazine and also a flashlight system that ressembles that of an M3 lighting module.
Marui also displayed a silver colored SOCOM silencer which we're not sure will be produced - but is sure looked good. More excitingly, their gas blowback P226 seems almost complete! The last time we were at the show last August, we saw the mold for the planned M14 rifle. This time, Marui displayed a non-working model with all the right colors, which seems promising and shows that they are making progress. There was speculation earlier that Marui would not proceed with the M14 due to cost issues, but given the display at the show, it appears they are proceeding with the model.
Marui also show-cased a new RC tank following the successful launch of their improved TIGER tank during the Christmas season. Moving away from the Marui booth, we also came upon the TOP booth were a vast display of M60's and M249's caught our eye. But what was really causing a lot of commotion was a fully functional MP40 AEG. According to TOP, this MP40 is made from pressed-metal, which is exactly the same method used on the real MP40. While this increases costs, it gives the MP40 AEG intense realism. We were one of the privileged few allowed to test fire the MP40 and it feels heavy and rigid. The rate of fire is slightly slow than that of an M60 though the sound of the gearbox is very similar. The removeable magazine is heavy, and a metal hop-up dial inside the ejection chamber allows tuning of the BB's trajectory. The ejection port is revealed by pulling back on the cocking lever.
No date has been set for the release of the MP40, but based on how final the gun looks, we estimate it to be released in the next few months. TOP is also rumored to be working on several other large AEG models and we'll share more as the news is confirmed. Stepping away and onto Shoei's booth, we were greeted by the regular display of MG42's. This awesome gas blowback is powered by compressed air through a hose. The two models that were on display included one on a tripod stand with remote trigger mount, and also one that was mounted in an anti-aircraft configuration. Words cannot do justice to how good these guns feel as you pull on the trigger and feel the guns jolting back and forth. The MG42 can even take a belt of bullets, and a special mechanism rocks the belt back and forth to make it look like the belt is being fed as the gun is fired. Visually, it creates a very appealling effect!
We also stumbled upon a small custom shop called the Elfin Knights Project. This custom shop had a small display of some very niche guns, including a Japanese signal gun that fires an M203 grenade shell. They also had a plastic kit on display (for a Japanese sub-machine gun) that basically envelopes a KSC M11. Looking into the ejection port, you can see the entire M11 is basically wrapped by the outer kit. Very interesting concept indeed! There was also a slew of pocket M203 launchers in all sorts of colors and configurations that would appeal to the most die-hard collectors! Unfortunately, the creator of these custom pieces insisted that his creations were for the Japanese market only! It's also worth noting that these pieces are designed for collectors and enthusiasts since they are "more look than go". On close inspection, it did not appear as though the pieces would stand up to the abuse of actual skirmish use.
Overall, the show had some goodies here and there, but most of the booths have now turned into displaying and selling deactivated guns, old uniforms from WWII, and used collector pieces. The after-market manufacturers also put on a strong showing, with booths from ANGS, CAWS, Sheriff, PDI, and many others. We also inspected the new XM8 model kit from GWS, which seems decent but a little plasticky - but a good first effort indeed. What surprised us a bit was the lack of KSC's presence and a showing of their new HK33 AEG, which we have all been looking forward to. The best we can hope is that the big manufacturers are saving up their ammo for the next Blackhole show! Reporting to you from Tokyo, Japan, this is RedWolf!


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First Aid Kits South Africa
Welcome to First Aid Kits South Africa. Thank you for visiting and we hope that you find what you need here.
We supply Government Regulation First Aid Kits in single units.
www.firstaidkit.co.za is also very much geared towards supplying you with your bulk first aid kits branded with your company logo.
You can also request certain first aid kit contents for your first aid kits and we will advise whether we can oblige. You send us your logo and we send you the artwork and once this is approved by you, we proceed with production of your first aid kits.
Please always advise your delivery times. On extremely large orders, we might need to part deliver while we are making up and printing the remainder of your order.
We supply and brand many different types of first aid kits with your company name printed on the first aid kits. First aid kits range from inexpensive promotional first aid kits to Government Regulation first aid kits. We have many great ideas for promotional first aid kits, so please give us a call to discuss your needs.
We mainly supply first aid kits in bulk. Our minimum order quantity for first aid kits is 100 units.
A first aid kit makes an excellent and useful corporate gift. It will always be kept, whether in the office, home or in a car. It is simple and easy to replace contents and the owner of the first aid kit can always add any contents that they would like to. First aid kits make great promotional items. As well as being useful, they can be used to promote your company's brand. We can make up inexpensive first aid kits as promotional giveaways, key ring kits, etc.
We supply and deliver first aid kits door to door throughout South Africa.
Please email us at firstname.lastname@example.com and one of our friendly staff will get back to you.
Thank you for visiting our first aid kit website. We appreciate your business.
Anglo American Keychain First Aid Kit:


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LINK: http://seahawksdraftblog.com/updated-mo ... st-october
"As for the Seahawks – well we know they can be a tough team to work out. They've targeted pretty obvious needs the last two years, but the players they've drafted have been anything but obvious. I've given them Cordarrelle Patterson this time , a player with ideal size for a receiver with explosive playmaking qualities. He can get downfield, he's useful on reverses and running plays and he's a great return guy. He's a home run hitter."
All thoughts welcome.


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how to replace your iphone 4 screen - resources for doing it yourself
In this case it was definitely true. I fixed my completely broken iPhone front for around $35 total. It was either that or pay $550 for a new iPhone since I can't get a discount with my account renewal until February. I did it myself, with the help of You Tube and Amazon. And I'm here to tell you that if I can do it...you can do it too! Especially if you are like me and just need it to make it a few more months for a replacement.
I ordered THIS KIT from Amazon for about $25 and paid extra for it to come in 24 hours. I was mostly happy with the kit except that the phillips head screwdriver was a little too big and the new face didn't come with a speaker screen. If you keep those two things in mind, you can be prepared and just transfer the old speaker screen to the new.
THIS video to take it apart and THIS video to put it back together. Fixing it yourself is totally doable. I am not a "tech" person and even I will admit it was easy, even if it was tedious.
Helpful hints:
--I would recommend taking a photo of each step for your own help in reassembly. I may or may not have ended up with a couple of extra parts.
--Have magnetic screwdrivers.
--Have a large flat workspace. In my case I used my cutting mat. It made keeping track of TEENY screws a lot easier and the bright background was helpful.
--Wait until your kids are not around.
--Breathe and have chocolate on hand.
There is also a small mark on my photos but I can totally work around it. Both things I can easily live with until February and a small price to pay to save $550.
My sound on/off button works better than before so at least there is that.
So if you find that your number is up...there is hope. Have a little confidence in your ability and jump in! Just be aware that this would probably void your warranty and you may be able to sweet talk an Apple nerd to fix it for you. If that fails, at least you know you have an option!
Also, I was in Best Buy within minutes of fixing it buying an Otterbox. :)
51 comments:
- Michelle Pennington said...
Awesome! So happy you were able to fix it!
- September 3, 2012 at 10:13 PM
- sara luke said...
Nice work! I would never have guessed that would be so easy.
- September 3, 2012 at 11:06 PM
- Stel said...
Saving this in Favoiurites right now, thanks! (says the one with a silicone phone cover and screen cover thingey but still manages to drop phone at least once a week...thanks to wooden floors!)
- September 4, 2012 at 3:17 AM
- Unknown said...
Thank you for sharing this ~ I am bound to need it in the future. Phones and I do not get along. I am ever grateful to the otterbox creators, as my phone has met the ground too many times to count, yet it is still in one unbroken piece!
- September 5, 2012 at 11:18 AM
- Jeannette said...
I LOVE my Otterbox, if I didn't have mine on I fear that my iphone would have been destroyed long ago!!!! Glad you found a cheap easy way to fix it :)
- September 14, 2012 at 11:03 PM
- Jeannette said...
I LOVE my Otterbox, my iphone has hit the floor too many times to remember and I fear without that on it, it would have been destroyed long ago. Glad you found a cheap/easy fix :)
- September 14, 2012 at 11:05 PM
- Jeannette said...
I LOVE my Otterbox, if I didn't have mine on I fear that my iphone would have been destroyed long ago!!!! Glad you found a cheap easy way to fix it :)
- September 14, 2012 at 11:06 PM
- Cari Coburn said...
I am needing to fix my screen as well. It looks about the same as yours did. :( I am searching on amazon for the replacement display and I am not sure who to buy from. I have service with At&t and was wondering what company you ordered from off Amazon? I just don't want to get something that was a waste of money because it doesn't fit or work with my phone. Thanks!
- October 1, 2012 at 10:12 PM
- ~Laura said...
If you don't want to void the warranty of the phone you can also take it or send your phone to an apple retailer for $99 to fix it. Then you won't have the little issues that came from aftermarket replacements.:-)
- October 14, 2012 at 12:11 AM
- ~Laura said...
If you don't want to void the warranty of the phone you can also take it or send your phone to an apple retailer for $99 to fix it. Then you won't have the little issues that came from aftermarket replacements.:-)
- October 14, 2012 at 12:11 AM
- Unknown said...
Thank you for posting this! My husband's Samsung phone's screen cracked within the first week we bought it, and they refused to fix it, so he went back to his old, 4 year old phone instead of spending $300 dollars to replace it again. After I saw this blog post, I was so excited I checked Amazon immediately.I found a screen replacement kit for his phone as well as a video online with instructions on replacing the screen.
I can't wait to get the kit so I can surprise him with a fixed phone!
- October 22, 2012 at 12:56 AM
- Unknown said...
Um am I crazy or is there a text from someone named Cow in your phone? Lmao do you tell siri to text cow?
- October 22, 2012 at 9:25 AM
- Courtney L said...
THANK YOU for posting this. I saw this on Pinterest a while ago and pinned it bc I just KNEW my husband would need it one day. Little did I know that I would be the one to shatter my front screen :( Thankfully, he is pretty technical AND handy so even though I'm the one who broke a phone, my darling husband is obliging enough to fix it for me :0)
- October 25, 2012 at 10:31 PM
- Unknown said...
First I absolutely LOVE this, and can't thank you enough for making this so simple and pain free... but I am kind of in knot right now.
I got to the step where you unscrew five screws, I got two of them but three would not come out, I tried every which way and tried so hard that they are stripped a little bit, any advice?
- November 9, 2012 at 6:32 PM
- Unknown said...
First,thank your for this wonderfully simple way to do this. I can not thank you enough! Although I am kind of in a hiccup, when I got to the step to unscrew five screws, three of them will not unscrew at all! It is driving me nut, I tried magnetic screwdrivers but they didn't work as well, unfortunately I tried so many different ways that it stripped some of the screws. Any advice?
Thank you!
- November 9, 2012 at 6:37 PM
- Unknown said...
This is why I have an Otterbox Defender! I have hardwood floors in my house and my phone constantly goes flying — from my hands, off the bed, out of my pocket, all SMACK right onto the floor, face down. I show people how durable it is by purposefully dropping my iPhone on concrete. BUT, should I ever decide to forego my Defender for something slimmer and smaller and I happen to drop my phone, this will be indispensable! You can also get different colored face plates for a pretty good price, if you're going to void your warranty you may as well do it in style!
- December 1, 2012 at 10:39 AM
- Christmasbaby13 said...
Good to know. Just a little FYI for all you can get your phones insured thru your home owners policy, we insure 4 phones for under $15.00 a year. Thurs will need your phones serial number.
Thanks for all the great info.
- December 8, 2012 at 8:18 PM
- Christmasbaby13 said...
Good to know. Just a little FYI for all you can get your phones insured thru your home owners policy, we insure 4 phones for under $15.00 a year. Thurs will need your phones serial number.
Thanks for all the great info.
- December 8, 2012 at 8:19 PM
- Christmasbaby13 said...
Good to know. Just a little FYI for all you can get your phones insured thru your home owners policy, we insure 4 phones for under $15.00 a year. Thurs will need your phones serial number.
Thanks for all the great info.
- December 8, 2012 at 8:19 PM
- Unknown said...
your welcome
- December 14, 2012 at 6:01 AM
- The Entrepeneur said...
That's cool. I wonder if this would work with other phones or devices
- December 22, 2012 at 7:42 AM
- Carlee said...
I did this too. Twice. I'm cool like that. It. Is. Not. Fun. Like at all. My power button didn't work after either! Sorry to my fellow plane flyers this summer! Ha! The videos help tons but I've seen using a egg carton ( you might need two) to collect the screws at each step because I had extra screws both times! Thanks for this pin!
- January 7, 2013 at 12:49 AM
- Erin Toews said...
Thanks for this. Using this I was able to find info on how to replace an iPod touch. Although I almost got it to work... I ended up having to take it into a specialist to get fixed. Ah well, DIY can only get me so far, I guess..
- January 8, 2013 at 10:23 PM
- Unknown said...
Thank you for sharing. I just got my kit in the mail today for my sons iPod. Wish me luck! :)
- January 9, 2013 at 7:43 PM
- Unknown said...
Thank you fro sharing. I just got my kit in the mail today for my sons iPod. Wish me luck :)
- January 9, 2013 at 7:46 PM
does the face indicator still work when you talk on the phone? im afraid my face will always hit the mute/speaker button if it doesn't.
- March 10, 2013 at 7:48 PM
- Lisa Newlin said...
This happened to me a few months ago and I wish I knew about your blog post then! I kept the phone so I might buy this repair kit and repair it for backup use.
Let's face it, I shattered my iPhone screen once, I'm totally going to do it again. The question is only how long it will take.
Thanks for the tutorial!
- March 10, 2013 at 8:00 PM
- Unknown said...
for the iphone screen repair - I had a small crack that didn't spread or chip. I simply put a piece of packing tape over it and just kept on moving. I also used packing tape as a screen protector. It works great. I also repaired a friend's phone that was all cracked and splintering in a corner with packing tape and she's been using it that way for months now.
- April 12, 2013 at 9:45 AM
- Just Me said...
Thank you for sharing!
- April 12, 2013 at 10:10 AM
- Unknown said...
This is amazing! It looked so shattered with all those spider cracks. Just gotta be careful in getting original iPhone parts online.
- May 23, 2013 at 12:29 AM
- Marie Sherman said...
This is why my whole family got LifeProof cases for Christmas. Too bad they didn't make one for the iPad when my son cracked that screen!
- May 24, 2013 at 10:48 AM
- Sue McCranie said...
I dropped mine and broke the front, too. My insurance co-pay is $169.99 and I just could not afford that and my nephew told me to go to ebay and get one. I got one for $31.99, free shipping, but there were not any tools included. I have a small set of screwdrivers and thought they were phillip head, but they were flat head. I see one on ebay now for $12.99 plus tools that I purchased and will wait until it comes in and I will have an extra glass screen in case of future breaks. I saw a 6 minute video on how to replace the front screen and I panicked when I saw how many things that had to be replaced on the inside. I will give you an update after it is completed. Thanks for your post, I know I can do this...
- May 29, 2013 at 9:05 AM
- Irefresh said...
This is a good starter guide however if you want to repair ur phone on ur own be aware that there are a lot of delicate parts inside that can easily be damaged. I would recommend a pro. We have literally repaired hundreds of these. See http://www.ipodrefresh.com
- June 3, 2013 at 9:51 PM
- Irefresh said...
This is a good starter guide however if you want to repair ur phone on ur own be aware that there are a lot of delicate parts inside that can easily be damaged. I would recommend a pro. We have literally repaired hundreds of these. See http://www.ipodrefresh.com
- June 3, 2013 at 9:53 PM
- Alana Brooke said...
Can u get a back one too? My son has shattered the back of his iPhone4 and I have the bill for another couple years and I refuse to buy a new one for him!
- June 10, 2013 at 1:22 PM
- Unknown said...
Nice one post I also share with you something hope you like it. After having dropped my iPhone 4 while in its case and finding out the screen was cracked i was determine to find a fix. Before when i had an iPod touch 2nd generation the screen was easily removed by taking out pins on the front of the screen, along with the iPhone 3 and 3gs the screen popped out after removing two screws. I assumed it would be as simple as that having done the procedure plenty of times for my friends broken gadgets.
Repair Broken Iphone Screen
- June 21, 2013 at 2:51 AM
- Unknown said...
I wonder if this would work on my droid razr? My screen is screwed up because one drunk asshole decided he wanted to be funny... breaking my phone in the process. I only had my phone for 3 days when that happen I called Verizon and they said I had to pay $99.00 as a deductible when I just paid $99.00 to get the phone in the first place and for the fact it was not my fault I don't think that I should have to pay the deductible. anyway my question is do you think this will work on the Droid Razr?
- June 21, 2013 at 9:12 PM
- tibby said...
I've saved it just in case. Thanks
As a flight att. (& a safety nazi) I've to tell you it has to be completely switched off before take off & landing. So no flights till feb ;-)
- June 22, 2013 at 5:22 AM
- journey said...
You can put it on airplane mode and not worry about turning it off. That turns off the signal in the phone.
It's good enough for the airplane, hence the mode name.
- July 20, 2013 at 1:39 AM
- Unknown said...
I completely shattered my iPhone 5 less than two hours ago the same way. Would it be the same process for the 5 as it was for yours? Thanks!
- August 27, 2013 at 5:06 PM
- Lipstick and Hangnails said...
I don't have time to read all posts but did anybody ask where you get the GLASS replacement?
- September 26, 2013 at 5:36 PM
- Lipstick and Hangnails said...
I don't have time to read all posts but did anyone ask where you got the replacement glass?
- September 26, 2013 at 5:39 PM
- Unknown said...
Nice blog!! This blog is very informative and useful information to all people. Thanks to sharing this useful blog.
iphone repair
- November 11, 2013 at 3:42 AM
- Unknown said...
Thank you so much for posting this! I just shattered my iPhone 4s screen today, and I was worried I wouldn't be able to do it myself because it is shattered. But the putting packaging tape over it to suction it off in one piece is genius!
- November 12, 2013 at 2:44 AM
- Natalie said...
Thanks for this great post! Keeping this one for sure :)
- April 26, 2015 at 4:53 PM
- Unknown said...
I was looking for the solution , and the idea you gave by the blog is really awesome, i just say worth reading this blog thanx for sharing.
iPhone Screen Replacement Metairie
- June 20, 2015 at 1:42 AM
- Emilie said...
Did you figure out why the on/off button doesn't work? I use mine so it would be important to me
- July 18, 2015 at 1:47 PM
- Lupe Williams said...
Excellent post took me an hour but my cell phone repair was a success, many thanks.
- July 19, 2017 at 2:26 AM
- Unknown said...
Thank you. The article provide lots of valuable information regarding iphone. Don't need to worry, CellFix Houston is right option if someone is looking for iphone screen repair near me.
- July 5, 2018 at 5:09 AM
- CepMarket said...
wow where from where to iphone 4 and now 10!
- July 15, 2018 at 9:39 PM
- Smith said...
The tutorial is amazing, If you want to buy new one, then you can replace it from Elite cell parts for your iPhone 4.
- August 18, 2019 at 8:08 AM


text: JoJo Ackermann: Take Back Tattooing? How About 'Give Back to Tattooing' By JoJo Ackermann I usually have a box or small pile of old tattoo magazines I'll stumble upon in my shed or in the back room at my place. It's always fun to flip through and see what's inside from the years past, like old favorite tattoos that stick in your mind or maybe even seeing some old friends in the pics from a convention or something. Recently, I reached down in the pile and pulled up an old magazine from 1994, this magazine no longer exists, but this article I read was a kick in the nuts. The article was on a tattooer from the east coast named Ron Lopez. This is a quote from that interview... "I've got mixed feelings about the popularity of tattooing today. It's done the trade a world of good in terms of bringing in business, but it's attracted a lot of people just looking for fame. They want to be rock stars and turn to tattooing for fame and recognition without taking it seriously. When the magazines hit the stands I get four or five kids bringing me the same picture from the same magazine asking for the same tattoo. I think tattooing is about originality and to just repeat the same image over and over again is mindless. I prefer to work with people who are thinking seriously about their work." There is a lot to be taken from this statement, as it is almost 18 years old, and not much has really changed as far as how tattooing is being viewed by the community of professionals. I was amused and humbled to read this because it made me realize that my generation were the "fame seekers" that he was talking about. Some words that were told to me when I first started tattooing were, "Tattooing will always give back what you put into it." It's true and I do my best to live this philosophy everyday in my life. If we conduct poor business practices then it always churns up shit, but what happens if we conduct good business and reap the gravy? Who knows? As an onlooker from inside tattooing I know that integrity and hard work always pays off. Also, respect and ability to communicate with others is more important now than ever, in the sense that real tattooers acknowledge real tattooers. I have a friend who is a traveler of the world. He told me that in China they paint these amazing scrolls right on the street, amazing large paintings that are done masterfully and efficiently. You can buy one for around $50 bucks! That made me think, there are so many people tattooing that don't posess a fraction of that kind of talent or commitment to the craft, and they are making a damn good living at it. How is this happening? And why is it not stopping? My friend then answered me, "You can't have winners without losers." It's true that we all gotta start somewhere and it's what we choose to do with it that makes us what we are, or strive to be. The gifts we are given to guide us and help shape us is usually the blunt honesty and constructive criticism you may receive from a person you admire or hold in high regard, or even just a client trying help tell you do something that they want to get tattooed. As for myself, I signed up to be a tattooer. I tattoo whatever people want and that's pretty cut-and-dry, in this business. I don't claim to be the best at anything, but when I do something I do my best and it's that mindset, even after 20 years tattooing, that keeps me growing as a perpetual student. "TAKE BACK TATTOOING" is a phrase I hear a lot, but really the only way to take it back is to GIVE BACK TO TATTOOING. Be the tattooer you want to be or try to be the tattooer you most admire. Take criticism and advice, people wouldn't give it if they didn't care. We all know we can't really stop the water from leaking from the dam. The Internet, supply companies and endless bottom feeders who are grazing on our sweat and blood seem to be ever-present in our already heavily stressed lives. However, I'd like to say, "Fuck them all." We need to become that change we want to see in tattooing! We need to lead by example and "GIVE BACK TO TATTOOING." Some of that old magic is still around and I'll be damned if they are gonna take it away from me... [caption id="attachment_5949" align="alignnone" width="300" caption="JoJo and Lex Winter. Lex's tattoo by Cliff Raven."][/caption] (JoJo Ackermann is a tattooer and contributing blogger for Tattoo Artist Magazine. JoJo can be found here: American Made Tattoo in Rosamond, CA.)


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Famous for its spectacular scenery and rich heritage, Wales offers a medley of things to do - making it ideal for every type of break. Bursting with history, hear the tales of times past as you visit historic sites and castles – many of which can be enjoyed whilst exploring the spectacular scenery. Think of Wales, and no doubt you'll visualise its expansive valleys and mountainous National Parks. However, this compact country is also home to glorious sandy beaches and a constantly evolving capital city.
Combine castles and heritage with exhilarating outdoor adventures on unforgettable holidays in Wales. This small country is bursting with diversity, offering culture, history and landscapes that are hard to match. Enjoy a city break in the Welsh capital, Cardiff. Then explore the natural beauty of Wales. Head to the Pembrokeshire coast for glorious beaches or spend some time enjoying the scenery of the Snowdonia National Park.
Wales is as famous for its castles as it is its geography, with ancient stone circles and fortresses very much part of the landscape. Short breaks can be as energetic or laidback as you like. Combine a city break in Cardiff, with an adventure holiday in Snowdonia National Park or a beach break on the west coast. It's difficult to resist the charm of this unique country. Hire a car and explore its diverse offering at your own pace.
The great Welsh outdoors has something for everyone, from challenging activities like mountain biking and hiking to leisurely strolls discovering hidden coves or remote hamlets. If you're looking for adventure, you'll love coasteering in Pembrokeshire, surfing from the beaches of the Gower Peninsula or exploring the coastline by kayak. There are also plenty of things to do in Wales if you're seeking a slower pace. Soak up the culture and sightseeing of Cardiff or discover picturesque seaside towns and flawless beaches.
It's impossible to resist the appeal of Wales' spectacular scenery, be it the rugged mountain trails and magnificent scenery of Brecon Beacons National Park or the sweeping golden sands of the west coast. On the northern coast, the mountainous terrain of Snowdonia National Park evolves into the beautiful bays, coves and beaches of the Llyn Peninsula. While in the west, Pembrokeshire attracts adventurers with its rugged coastline and surfer-friendly stretches. The pretty seaside town of Tenby is worth a stop, with its pastel-coloured houses and picturesque harbour.
Appealing to every budget and taste, we've carefully selected a collection of hotels in Wales which provide the perfect base for your holiday or short break. Choose accommodation close to the Welsh capital, Cardiff, for sightseeing and culture. Or select a countryside retreat in South Wales, which offers a slower pace. In the north, we'd recommend staying near the Snowdonia National Park – where the breathtaking views never disappoint.
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Present day
The screen door bangs shut behind me. After having been out in the fresh air of the orchards, the sweet, fruity smell of the house is even more pronounced. My family's farmhouse has seen too many harvest seasons not to smell like peaches.
It smells exactly the same as it has my whole life. In fact, very little about the house has changed at all over the years. Except for the dwindling of its occupants, of course.
First Mom, now Dad. It took a few years for it to feel like home after Mom died, but it finally did. With Dad, it'll be different. I can already tell. Although his death was sudden and accidental (he fell off a ladder out in the orchard and hit his head on a rock), I don't mourn him like I did Mom. Or like Jenna mourns him. She can barely come into the driveway, much less spend time indoors. Then again, she was always his favorite. But that's understandable, all things considered.
Feeling the sting of old wounds, I walk to the fridge for a beer. I jerk the door open with much more force than what's necessary. It feels good to get a little of my aggression out, though. It'll do until I can get back to work, making a living at staring death in the eye. Adrenaline—it's my drug of choice to numb the pain of the past. And of the present, if it decides to act up and give me shit.
But right now, I have to shower before the bloodsucking douche paralegal from the estate attorney's office arrives to start cataloging all our family holdings.
I pop the top on the bottle and down half of it before I even reach the stairs. I try not to think of the good ol' days, just a few short weeks ago, when I was living the life I chose rather than the life my father left behind when he died.
What the hell was I thinking, coming back here?
Less than half an hour later, I'm freshly washed, cleanly shaved, and dressed in jeans and a T-shirt that reads: SKYDIVING: THE GROUND IS THE LIMIT. I grab another beer from the fridge and sit in the den, waiting for the tight ass from the attorney's office. The only sounds are the dog, Einstein, barking at something out back, the tick of the grandfather clock in the dining room, and the wind whistling through the crack in the screen door. It takes exactly seven minutes for this quiet combination to drive me nuts. Finishing my beer, I decide to get some stuff from the garage and wash my Jeep while I wait.
And if this straightlaced asshole doesn't like it, he can kiss my puckered ass.
Twenty minutes later, I'm rinsing soap off the Rubicon when I see the flash of sun on a windshield, drawing my eye to the far end of the driveway. A little dusty blue car is making its way slowly along the path, moving in and out of the dappled patches of shade thrown onto the pavement by the trees stretching overhead. Every now and then, the sun will shine through the glass and hit the platinum blond hair of the driver. The long platinum blond hair of the driver. This immediately piques my interest. I never considered they might send a female.
I continue spraying, keeping an eye on the car as it comes closer. I watch as it rolls to a stop a few feet from where I am, parking in front of the house with its rear facing in my direction. The engine shuts off, and I see the driver reach onto the seat beside her. She fiddles with something before opening the door.
The first thing that comes out is legs. Two-mile-long, perfectly toned ones capped in a pair of high, high heels. I wait anxiously to see the rest. She pauses for a second before scooting out of the car.
I see her first in profile as she reaches down to tug on the rising hem of her slim black skirt and then tucks her hair behind one ear.
When she finally turns toward me, her head is down as she looks at something in her hands. That's fine by me. It just gives me time to ogle the shit out of her without getting a nasty glare for it.
The long legs were only the beginning of the package. Narrow hips curve into a tiny waist and lead up to what looks like a nice-sized rack. Not too big, not too small, although it's hard to be sure through her loose-fitting blouse.
She walks gracefully toward me and, when she's a couple of feet away, she looks up.
Just as my jaw drops in surprised recognition, the spray of the water hose hits the front bumper of the Jeep and shoots water all over my chest and stomach.
"Shit!" I yelp, jumping back when the cold water makes contact.
I redirect the hose and glance at the girl standing just outside spray reach. She's smiling down at my wet shirt.
My mouth waters when I look at the lush pink lips spread over her perfect teeth. I remember the way they taste—sweet and innocent.
Like peaches.
And like a challenge.
Some Like It Wild
How far will a good girl go for the bad boy she loves?
Laney Holt is a preacher's daughter. A good girl. Her only goal was to get married, have babies and live happily ever after, just like her parents. Only that didn't happen. With the betrayal of two people closest to her, Laney's dreams came crashing down. Now she's left with an empty space she doesn't know how to fill. Until she meets Jake Theopolis, a daredevil with a death wish who has heartbreaker written all over him.
Jake has no interest in thinking beyond the here and now. All he wants out of life is the next rush, the next "feel good" thing to keep his mind off the pain of his past. His latest rush? Showing Laney there's more to life than being a good girl—and that going bad can be so much fun. Her only concern now is how she can ever hope to satisfy the wild side of a boy like Jake. She's looking forward to trying. And so is Jake.
Preorder links:
Playlist for Some Like It Wild (scroll over list to view in its entirety)
Playlist for Some Like It Wild (scroll over list to view in its entirety)


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If your New Year's resolutions include getting a better grasp on your personal finances, one of the best places to start is with your bank account.
How much do you really know about it, apart from an approximate idea of your balance?
Do you know how many days it takes for the bank to process the check you just deposited? That's important information if you've ever been fined for an overdraft.
Do you know how much money, minimum, you're required to keep in your checking account?
If you have a bank-issued credit card, do you know whether the fine print for your agreement included a universal default clause? That clause, which benefits the lender but not the customer, allows the bank to examine all your credit accounts, and raise the interest rate on its card if you've ever been late paying another credit-card bill.
"Consumers should do their homework," says Jenifer Waller, senior vice president of the Colorado Bankers Association.
So here's your homework assignment. Start by finding out the answers to four essential questions about your bank account.
Can I have a copy of the fee schedule?
Federal Reserve regulations require banks to give you a copy of their fee schedule, and fee schedules will vary between institutions.
A fee schedule lists every possible charge — overdraft fees, stop-payment fees, returned-item fees, wire-transfer fees, money-order fees, cashier's check fees, temporary-check fees, inactive-account fees, returned-mail fee, online e-payment fees, line-of-credit late fees and more.
Some banks charge a membership fee. Some offer free checking, but have other fees. Ask the teller or bank representative to go over the fee schedule with you — this is a good idea even when you've maintained a bank account for a while — so you can see which fees you're likeliest to face.
Sometimes you can negotiate to waive certain fees. Ask which fees may change according to the economic market.
"Customers should always ask to see a bank's fee schedule and have in mind what services are important to them," said Jenifer Waller, senior vice president of the Colorado Bankers Association.
"All banks, like any other business, base their fees on the market."
Whatare the minimum requirements to keep this account?
Again, this varies from bank to bank, or credit union to credit union. Some require a minimum balance of as little as $12, but more often it's $100 or $500. Money market accounts often require a minimum balance of $1,000 or more.
"The most important thing to think about when you open a checking account is whether there is a monthly fee, and if there is, could it be waived by maintaining a minimum balance," says Tom Feltner, director of financial services at Consumer Federation of America, a member of Americans for Financial Reform.
"We looked last year at whether consumers can avoid monthly fees or maintenance fees, and one thing we found is that there's a wide range of fees. Consumers need to look at the terms, and ask how to avoid those fees."
What are the costs for services I use frequently?
…and what other services are offered for free?
What does this financial institution charge if you use another bank's ATM? (Remember that even if your bank doesn't levy a fee for this, the other bank may charge you for that service.)
Does the institution offer overdraft protection? How much is the fee per use?
Does the institution offer a monthly bill paying service? If it does, and you don't use that service, is there a charge?
Is online banking free, or is there a charge?
What makes this financial institution different from its competitors?
Is it locally owned and based, or is it owned by an out-of-state (or out-of-country) corporation?
"That matters because if you want a mortgage, a local institution is going to understand the market, compared to someone in Chicago, who might question the values in the neighborhood you want," says John Rivera, vice president of branch sales and service at Bellco Credit Union .
"And find out who to talk to if you have a challenge or a problem with your account. Is it a local banker, or will you be sent to a call center overseas?"
Find out — and this may take some research — about this financial institution's recent history.
A little online research could reveal a lot, including whether or not the institution was among those that benefited from the 2008 bailout.
"A lot of people are put off by financial institutions that received federal money after the financial debacle," Rivera said.
"Ask directly: 'Did you receive any federal bailout money? If you did, have you paid back that money? And what are you doing to make sure that it won't happen again?' It takes a little work, but you can find the answers by looking online, and finding out if the bank is under receivership, or if it's gotten a case-and-desist from the Federal Reserve, or if it's been bought by an overseas bank."
Claire Martin: 303-954-1477, firstname.lastname@example.com or twitter.com/byclairemartin
Bank on it
Do you know all the fees associated with your bank or credit union account? Do you know whether your bank received federal bailout money? You should.


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This is not an offer for credit and should be used for estimation purposes only based on the information you provided. You should not base your decision on this estimate alone. Title, registration, tax and other fees, and personal circumstances such as employment status and personal credit history, were not considered in the calculations.
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Rear - 160/60 R17 V
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In Running Order - 525 lb.
Laden - 29.8 in.
Unladen - 30.1 in.
1st - 14.272
2nd - 10.074
3rd - 7.446
4th - 6.006
5th - 5.037
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Category: Motorcycles
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Dr. Sondergard, Piskor Professor of English, is the author of several books including Sharpening her Pen: Strategies of Rhetorical Violence by Early Modern English Women Writers (2002), and The Cabala of Pegasus: An Annotated Translation of Giordano Bruno's Cabala del cavallo pegaseo (1585)[co-authored with Madison U. Sowell]. He is currently at work on the first complete English translation of Pu Songling's liaozhai zhi yi (Strange Tales from Liaozhai), in six volumes; the first five volumes are already in print (Jain Publishing, 2008, 2009, 2010, 2012). He has published articles in many journals, such as The American Journal of Semiotics, Studies in Philology, Critique: Studies in Contemporary Fiction, and Studies in the Humanities. Dr. Sondergard regularly offers courses on screenwriting and film studies, and has traveled several times to China to do research on Pu Songling, Confucius, and the Chinese general, Guan Yu.
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Eduarda Carmo Vaz | KF18 | Peru
For those of you who have never been in Peru on a 28th of June, you might have missed a very important fact: today is the NATIONAL CEVICHE DAY.
Ceviche, a dish made of fresh raw fish marinated in lemon juice and spices, is without a doubt the most famous Peruvian dish.
So what does a Kiva Fellow in Lima do on such a day? Logically, she goes to a "Ceviche Festival."
One of the delicious ceviche stands.
In addition to lots of ceviche, the festival had several stands serving other Peruvian delicacies. One of them was a mix of two famous Peruvian dishes: ceviche with chicharrón. Chicharrón are little pieces of deep-fried pork. It may sound like a strange mixture but it's delicious!
There is more than ceviche – ceviche & chicharron!
My lunch – ceviche & chicharron.
Another very popular option is anticuchos, little pieces of beef heart marinated, skewered, and seared over the grill. Hmmm… that one I did not try.
The popular anticuchos stand.
And this wouldn't be a Peruvian festival if there wasn't also a lot of grilled chicken.
And now the chicken stand.
Finally, after all this food, it was time to turn to the most famous Peruvian drink: the Pisco Sour. Pisco is a type of brandy (i.e. a spirit produced from grapes that has a high alcohol content). Pisco Sour is a delicious cocktail made with: 3 glasses of Pisco, 2 of cane syrup (jarabe de goma), 1 of lemon juice, 1 egg white and some drops of angostura (amargo de angostura) on top.
Eduarda Carmo Vaz is a Kiva Fellow working in Peru this summer with Kiva Field Partner EDAPROSPO, a microfinance institution in Lima. If you're interested in helping out a Peruvian entrepreneur please join the Fans of EDAPROSPO Lending Team. You can also lend to EDAPROSPO borrowers here.


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Saturday, December 14, 2019 - 09:00 AM
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Reviver Pets
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In Rebecca Watson's experience a blog comment by Richard Dawkins encourages Atheist men to harass Atheist women, particularly feminists who speak out. I've lost respect for him.
... he left this sarcastic comment on a friend's blog:
Dear Muslima
Stop whining, will you. Yes, yes, I know you had your genitals mutilated with a razor blade, and … yawn … don't tell me yet again, I know you aren't allowed to drive a car, and you can't leave the house without a male relative, and your husband is allowed to beat you, and you'll be stoned to death if you commit adultery. But stop whining, will you. Think of the suffering your poor American sisters have to put up with.
Only this week I heard of one, she calls herself Skep"chick", and do you know what happened to her? A man in a hotel elevator invited her back to his room for coffee. I am not exaggerating. He really did. He invited her back to his room for coffee. Of course she said no, and of course he didn't lay a finger on her, but even so …
And you, Muslima, think you have misogyny to complain about! For goodness sake grow up, or at least grow a thicker skin.
Views: 777
That's offensive. ALL women are human beings!
This does not sound like the thinking of Richard Dawkins to me, he has far more respect for the struggles of such mutilation and would not compare one's suffering with another's in such a crass way. This requires more investigation. Thanks for sharing; I respectfully question the authenticity of this statement and I shall check it out.
If the article is true, sarcasm isn't strong enough; if false, it is libel. I need more information.
"Two torts that involve the communication of false information about a person, a group, or an entity such as a corporation. Libel is any Defamation that can be seen, such as a writing, printing, effigy, movie, or statue. Slander is any defamation that is spoken and heard.
Collectively known as defamation, libel and slander are civil wrongs that harm a reputation; decrease respect, regard, or confidence; or induce disparaging, hostile, or disagreeable opinions or feelings against an individual or entity. The injury to one's good name or reputation is affected through written or spoken words or visual images. The laws governing these torts are identical."
A detailed account of the incident known as "elevatorgate" and the subsequent reaction to it, including the context of Richard Dawkins' comment, can be found here. Dawkins received a great deal of flak over this. Whether or not his comment was insensitive is open to debate, but I don't think it's true that he was actually encouraging atheist men to harass or be rude to atheist women. I think the original point he was making was that people were generally over-reacting to what he perceived to be a minor incident. I'm not saying his comments were all that great, but I think it unfair to label him a "misogynist" over this. Some members of the atheist community have expressed concern about the incivility and divisiveness that emerged out of this incident. See this blog post for a very clearly expressed concern about an "us vs. them" mentality that may be developing among advocates of "Atheism+". In particular there has been a tendency on the part of people like PZ Myers for example to take an attitude that anyone who expresses a difference of opinion must be racist, misogynist and generally not a nice person. Take this charming rant for example:
If you agree with that, you're an atheist+. Or a secular humanist. Whatever. You're someone who cares about the world outside the comforting glow of your computer screen. It really isn't a movement about exclusion, but about recognizing the impact of the real nature of the universe on human affairs.
And if you don't agree with any of that — and this is the only 'divisive' part — then you're an asshole. I suggest you form your own label, "Asshole Atheists" and own it, proudly. I promise not to resent it or cry about joining it.
Note that he says if you don't agree with ANY of that. Is there any room for discussion allowed? I read another blog post somewhere (can't remember where exactly at the moment) in which the writer expressed concern that anyone who so much as tried to respectfully disagree with any of Rebecca Watson's views on the "elevatorgate" affair would be lumped in with the trolls and misogynists who make jokes about raping SkepChicks. I think it's really important that atheists be allowed to have differences of opinion without being subjected to name calling and broad-brush accusations of misogyny or what have you.
Scott, thank you for the background information and references to sites that helps explain what happened. It seems this "elevatorgate" created quite a stir. I like your analysis of what happened and your clarity in defining your position. I agree Dawkins was not inciting "misogyny" and I respectfully differ with you about Dawkins speaking as a "misogynist". A term often heard these days is "green shoots" and that is the gnat at which I bat. As to PZ Myers, he is being himself and as he often does, calls people "assholes". Though I don't enjoy the term, I commend him for standing with SkepChick on the immaturity and irresponsibility of the young man who should have known better; he should have approached her in a more public place where she could have politely said "No" and turned away from him.
I am not saying the young man had evil intent, but that is what mass murderer Ted Bundy http://crime.about.com/od/serial/p/tedbundy.htm, and Kevin Coe http://www.historylink.org/index.cfm?DisplayPage=output.cfm&fil..., both attractive, articulate, popular figures in their communities presented to their victims.
Any woman who gets into an elevator with a stranger early in the morning, when there is probably little use of elevators at that hour, is entitled to feel uncomfortable and Dawkins should acknowledged that fact. Safety experts, including police officers, train women ways to reduce their vulnerability and SkepChick did the right thing.
I agree with PZ, she should named names publicly. Being sweet is not the way to bring about social change and she has and will take a lot more heat because SkepChick understands that. Have you ever known a change agent who has been timid or acquiescent?
I value and appreciate your comments and point of view even as we do not agree on all points.
Thanks so much, Scott, for the Elevator Gate link. It was an education.
I think the most succinct summary was Phil Plait's
Dawkins' ... attitude is shared by far too many men. It trivializes the justifiable fear women have to live with as well as their point of view ...
Ruth, I agree, and that is why this episode is a teaching moment for Dawkins and even for women.
I'm not interested in what Dawkins has to say any more, if he insists on behaving so rudely to fellow atheists.
Mary, I understand why you have no interest in Dawkins' opinions any more. Dawkins is known for saying what he thinks, not what will make him popular. I agree with you and Dawkins is just the tip of the iceberg, men get away with trivializing, discounting, putting down, even demonizing women who express legitimate fear. He needs to have his feet put to the fire on this one. I stand with you on that.
And I was a fan of his too - so disappointing.
Very unprofessional behavior - you would think he would know better than that.
I wonder if Dawkins has been misogynistic in the past, and if so, he needs to be confronted. I have not been aware of any such problems and would be most grateful to anyone who can give me evidence of it. That episode, if true on the part of Dawkins, is a teachable moment. I have seen him be ruthless with believers and know he is capable of cutting remarks. Is he misogynistic? If yes, I will happily take him on.
By the way, earlier today there was a yellowish streak across the top of my page stating I had been blocked from this site. If that is true, you will not be able to read this message. If it is not true, then has anyone else had such a statement?
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San Francisco, CA, January 17, 2014 - How do we stomp out bullying in our classrooms? Reduce the prevalence of shootings in our schools? Stop young adults from ending their lives too soon? One word: Empathy. By challenging young adults to take the time to listen, understand, and relate to one another, we can grow the next generation of rational decision makers. Spill, an anonymous network for peer encouragement, is announcing the expansion of its college 'empathy engine' to high school students and post-grads. With the simultaneous release of its iPhone and Android apps, users can now "spill" confidentially about personal problems at any time in any place through their smartphones, and receive encouraging messages from fellow peers. "We all go through hard times," co-founder Heidi Allstop explained. "Whether it's getting your heart broken for the first time, figuring out what you want to be when you grow up, or even just feeling like you don't fit in, growing up isn't easy." Allstop started Spill when she found herself struggling to adjust to college life. Not wanting to bother her new friends with her personal problems, Allstop looked to the school counseling center for help, only to be told she had to wait two weeks for an appointment. A psychology major and crisis counselor herself, Allstop decided to take matters into her own hands. She pulled together some classmates to create a safe, confidential network where students could connect with fellow classmates around personal hardships. When students from other colleges began requesting the program, Allstop decided to pursue the mission full-time. The company has since expanded to 150 college campuses and trained thousands of peer responders in active listening skills. Though there are networks for sharing confessions anonymously, Spill's emphasis is not on broadcasting secrets, but on growing both spillers and responders in managing vulnerability and practicing empathy. "It's very reciprocal," Allstop explains. "About 70% of our users start out as responders-volunteering to give support and advice to others--and become spillers themselves. The act of communicating authentically is kind of addicting." Responders choose which types of issues they're comfortable responding to (ex: romantic relationships, anxiety, roommate problems, career decisions, etc.) and can also indicate how frequently they want to be 'assigned' spills. Responders can even earn community service hours for their participation. "Helping other people on Spill has been one of the most valuable things I've done in my college career," a student responder from University of California, Berkeley weighs in. "I like that I'm actually making a difference in people's lives rather than just 'liking' photos." Though not intended for crisis situations, Spill has helped hundreds of at-risk students get touch with crisis professionals who were able to intervene or assist them further. It was awarded first place for this impact in suicide prevention during the Global Social Venture Competition, and has been shown to significantly reduce depressive symptoms in college students (2012). During the month of January, Spill is running an IndieGoGo campaign to choose the next 20 high schools and 30 college Spill communities. Parents, students, and alumni can nominate schools that could benefit from Spill for $20-$100, creating localized support networks for those campuses. It is also accepting donations to launch its military communities for active-duty service men/women, veterans, and spouses in 2014. More information on becoming a responder can be found by visiting spillnow.com or by downloading the mobile apps. Individuals interested in bringing Spill to a high school or college can nominate the school here. Other inquiries can be sent to info(at)spillnow(dot)com. iPhone app here: http://bit.ly/19WDn5s Android app here: http://bit.ly/19qphLqSchool / military nominations: http://bit.ly/1ba09mFSpill Brand Assets: http://bit.ly/1d4R9jp ### ABOUT SPILL, INC. Spill, Inc. is a TechStars startup based out of San Francisco, CA, that was created to help students get honest encouragement and support from peers. It quickly gained traction quickly on college campuses across the US and Canada, gaining coverage everywhere from the New York Times to MTV. The company was the 2012 winner of the Global Social Venture Competition in California, and has just launched its mobile app, as well as additional networks for high school students, post-grads, and adults. For additional information, please contact Heidi Allstop at 320-760-1154, heidi(at)spillnow(dot)com, or visit http://www.spillnow.com. Press Contact:Heidi AllstopSpillSan Francisco, CA+1 3207601154http://www.spillnow.com
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#FF: Fashion People & Celebrities' Twitamores — Revealed!
Can you guess my Twitamore?
Valentine's Day might be dunzo — but thanks to social media, it's only just begun. (Whose Instagrams are still getting flower bombed today? We get it, people. You got flowers, moving on...)
But there's one Valentine's-inspired app we discovered that we still, a day later, cannot get enough of. You could even say we, uh, love it — Twitamore! It's a site that calculates who you love the most on Twitter based on who you follow, your timeline, and your favorite tweets.
As you can imagine, this thing is a total timesucker. We started with our own Twitter handle, @StyleBistro and got the adorable Carly Rae Jepsen as our Valentine!
Love you, CRJ! xoxo
For very obvious reasons (read: we're nosey!) we couldn't stop there. Behold: fashion people's Twitamores! Check out who adores who in the fashion and media world, and don't forget to follow each of them on Twitter.
We all know how much model Chrissy Teigen loves food...
#FF: @chrissyteigen and
And how much designer Roberto Cavalli adores models, especially Bar Refaeli!
#FF: @RobertoCavalli and @BarRefaeli
Eva Chen sends her heart out to Oscar de la Renta (and his PR Girl).
#FF: @evachen212 and @OscarPRGirl
But Oscar PR Girl has a different sweetheart in mind — herself, apparently! (It's okay, we love her, too.)
#FF: @OscarPRGirl and @OscarPRGirl
Fashion is just one narcissistic world, ya'll. That's why Kanye West makes such a great, um, "designer."
#FF: @KanyeWest
But don't feel sorry for Kim Kardashian. She's one of the biggest egotists out there — and we mean that in the best way possible. (Smooches, Kim!)
#FF: @KimKardashian
Thankfully, not all love is lost. The infatuation between Lucky's John Jannuzzi and Glamour's Laurel Pantin still gives us hope!
#FF: @JohnJannuzzi and @LaPantin
Happy Friday!
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Joking about 'the rise of the oceans' far less funny now
Not too long ago, Mitt Romney and his speechwriters thought they'd come up with a clever new way to mock President Obama: they ridicule efforts to "slow the rise of the oceans."
Campaigning in Minnesota today, former President Bill Clinton suggested these jokes appear a lot less funny now.
For those who can't watch clips online, Clinton said:
"I was actually listening closely to what the candidates said in these debates. In the first debate, the triumph of the moderate Mitt Romney. You remember what he did? He ridiculed the President. Ridiculed the President for his efforts to fight global warming in economically beneficial ways. He said 'Oh, you're going to turn back the seas.' In my part of America, we would like it if someone could've done that yesterday.
"All up and down the East Coast, there are mayors, many of them Republicans, who are being told, 'You've got to move these houses back away from the ocean. You've got to lift them up. Climate change is going to raise the water levels on a permanent basis. If you want your town insured, you have to do this.' In the real world, Barack Obama's policies work better."
I have a hunch it'll be a while before this little GOP applause line returns to Romney's stump speech.


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The Meadows of Aurora. Under Construction in Aurora
- Project Name: The Meadows of Aurora
- Builders: York Region Christian Seniors Homes Inc.
- Project Status: Under Construction
- Approx Occupancy Date: 2020
- Address: 400 William Graham Dr, Aurora, Ontario, Canada,
- City: Aurora
- Main Intersection: Leslie St & William Graham Dr
- Property Type: Mid Rise
- Location: 400 William Graham Drive, Aurora, ON
- Price: Complete Registration to Reveal Pricing
The Meadows of Aurora is a new condo development currently under construction at 400 William Graham Drive, Aurora. The development is scheduled for completion in 2020. The Meadows of Aurora has a total of 110 units. Sizes range from 970 to 1450 square feet.
Pricing & Fees: Sale Prices - Available Units: - • C.C / Maint: $0.84 Per SqFt per Month • Cost to Purchase Parking: Included in the purchase price • Cost to Purchase Storage: Included in the purchase price
From The Meadows of Aurora: Being much more than bricks and mortar, The Meadows is developing into a caring Christian community dedicated to cultivating relationships that allow seniors to live together–comfortably without the demands of homeowner responsibilities. The Meadows, a quality-focused facility that is home to a diverse group of residents, is striving and succeeding in meeting the housing needs of Christian seniors in York Region. Our vision is to enable seniors to 'age-in-place'. We believe that our seniors prefer to remain in their community near family, friends, church and healthcare providers. Garden Towers is now complete and fully occupied. Phase 2, Woodland Towers will house Independent Living, Assisted Living, Memory Care, and many amenities.


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eMediaWorld.com Reports Aetna Pulls Out Of Another Obamacare Health Exchange
Aetna Inc has decided not to sell insurance on New York's individual health insurance exchange, which is being created under President Barack Obama's healthcare reform law, the fifth state where it has reversed course in recent weeks.
The third-largest U.S. health insurer has said it is seeking to limit its exposure to the risks of providing health plans to America's uninsured, but did not give details about its decision to pull out of specific markets.
"We believe it is critical that our plans not only be competitive, but also financially viable, in order to meet the long-term needs of the exchanges in which we choose to participate. On New York, as a result of our analysis, we reluctantly came to the conclusion to withdraw," Aetna spokeswoman Cynthia Michener said.
The New York decision comes as states finalize the roster of health plans that will be offered to millions of uninsured Americans beginning on Oct. 1.
Aetna and its newly acquired Coventry Health unit, a low-cost provider that caters to individuals and Medicaid beneficiaries and provides private Medicare policies, still have applications to sell coverage in 10 states, based on publicly available information.
Michener said the full list of state exchanges where Aetna will participate is still being finalized.
The new online insurance exchanges are the lynchpin of Obama's healthcare reform, representing a massive technology build-out that has run up against multiple delays and political opposition in many states. In their first year, the exchanges aim to provide coverage to 7 million uninsured Americans, many of whom will be eligible for government subsidies.
Aetna's large competitors, such as UnitedHealth Group Inc and WellPoint Inc, have also planned limited entries into the new exchanges while they wait and see whether they operate smoothly and whether enough healthy people sign on to offset the costs of sicker new members.
"We've got this period where the exchange experience, the exchange sentiment, and news headlines are probably not going to be very flattering and that's not going to have a positive impact on turnout," said Jefferies & Co analyst David Windley.
"Longer-term, those kinks will get ironed out, more people will get comfortable and in (the next few years) more people will be accessing their health insurance through an exchange of some sort," he said.
Aetna signaled last month that it was considering withdrawing some applications because of its purchase of Coventry, which also had filed documents to sell insurance plans on exchanges around the country.
"We have taken a prudent risk-based approach to both our overall exposure and exposure within a given marketplace," Chief Executive Officer Mark Bertolini said on a conference call with analysts at the time.
Since then, it has withdrawn applications in Maryland, Ohio, Georgia, and Connecticut, where it is based. In Maryland, Aetna's decision came after state regulators ordered the company to lower rates dramatically from what it had proposed.
Aetna also has filed applications in Florida, Arizona and Virginia, where the federal government will operate the exchanges, and in Washington, D.C., which is running its own exchange.
Coventry filed applications to sell insurance in Florida, Iowa, Kansas, Louisiana, Nebraska, North Carolina, Ohio and Virginia, according to those states' insurance departments. Iowa is working with the government on its exchanges while the rest are being run entirely by the federal government.
Coventry withdrew its applications in Georgia and Maryland when Aetna bowed out but it remains in Ohio. It also withdrew earlier this month from Tennessee.
Aetna and Coventry may also have filed plans in other states that have not released any information about participants.
Insurance plans in the 33 states that have defaulted to the federal government exchanges must be approved by the Department of Health and Human Services (HHS), and then insurers sign off on them. Earlier this week, HHS delayed the sign-off deadline to mid-September after originally aiming for early next month.
Michener said the company will continue to serve small business and large business customers in New York and will offer products to individual consumers outside of the exchanges.
Only 17,000 or so people in New York currently buy individual insurance, but the exchange is expected to bring in 1 million people during the first three years. The exchange announced insurance participants on Aug. 20. Aetna was not on the list.


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LITTLE ROCK � Almost four years ago, the last payday lender left Arkansas.
LITTLE ROCK � Almost four years ago, the last payday lender left Arkansas.
The industry, which gained a foothold in the state after the enactment of the Check Cashers Act of 1999, thrived until 2008, when the state Supreme Court said in two rulings that lenders charging high fees for short-term loans violated the state usury law.
Their exodus began after Attorney General Dustin McDaniel warned them to leave or face legal action.
But opponents of payday lending say a bill pending in the Legislature could open the door for payday lenders to return to Arkansas.
Senate Bill 900 by Sen. Jon Woods, R-Springdale, would amend the state constitution to give the Legislature the authority to change interest rates.
In 2010, Arkansas voters approved a constitutional amendment that set a 17 percent cap on interest rates. Previously, the state had a cap of 5 percent above the federal discount rate, which at that time was .75 percent, on consumer loans, and lenders were limited to whichever cap is lower.
Woods said most of the other state legislatures have the authority to change their state�s interest rate, and he thinks Arkansas lawmakers should follow suit.
�I think we need to have the discussion on why this is and why can�t we go in and adjust the rate when we feel it needs to be adjusted,� Woods said.
He said he expects a hearing on his bill early next month before the Senate State Agencies and Governmental Affairs Committee early next month.
Hank Klein, president of Arkansans Against Abusive Payday Lending, said passage of SB 900 would grease the skids for payday lenders to return.
�If this passed and the Legislature gets to approve rates, with just that 51 percent majority, in the next legislative session we�ll be talking about � 35 percent (interest rate) or whatever. They�re just getting a foothold in the state,� Klein said.
�If they really wanted to come into the state and make loans, they could come in and make them at 17 percent all day long and not be regulated,� he said, adding that the payday lenders want interest rates to be much higher.
Between 1999 and 2009, payday lenders offered loans to consumers for a day or a week. The lenders often charged annual interest rates in the range of 300 percent to 700 percent, according to reports.
McDaniel said last week that his office is closely monitoring SB 900, which he said �potentially would make it easier to allow payday lenders to re-enter the state and offer high-interest loans that harm consumers.�
�I would oppose any measure that could lead to changes in a constitutional usury limit that has been set by Arkansas voters,� the attorney general said.
Woods said the purpose of SB 900 is not to try to lure payday lenders back to the state.
�Yes, it�s relevant, and I can see the link, and I get it. But I think the objective of this bill is just to give us the oversight and to be able to go in and set the rate.� Woods said.
�Now as far as that goes � I�m not really diving into the small lending aspect or the payday lending, but I�ve always felt on a personal level that in my days in banking, we did have people that would come in that would need small loans, and there was just nothing we could do,� he said.
In 2011, Woods filed a bill designed to create a small loan industry in the state. The bill would have allowed loans from $250 to $5,000 to be made to borrowers for terms of six months to two years. The bill also would have allowed fees to be charged to borrowers, including 5 percent for late payments and $25 for a bounced check.
The measure failed to get out of the House Insurance and Commerce Committee during a meeting in which a deputy attorney general said the legislation�s language was similar to the 1999 Check Cashers Act, which the Supreme Court had ruled unconstitutional.
Woods said last week he has not given up on the idea of a small loan industry, but that discussion has nothing to do with SB 900, he said.
�I�ve never been for high-rate ripoff firms, but I think that there are good examples of lending companies that do help individuals that are a tier above what we would think of as payday lenders,,� he said. �That�s for a different day, different discussion. � But that�s not the intent of this bill. I think the discussion in committee will really be about whether lawmakers feel the Legislature needs to be able to set the rate and not just leave it in the constitution.�
Klein said Arkansans Against Abusive Payday Lending will attend the Senate committee meeting and oppose SB 900.
�We accomplished what we set out to accomplish, that was get rid of the payday lenders in Arkansas, and we don�t want to see them come back,� he said.