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Kevin I will PM you as this Forum is too valuable to Free Speech to risk it being sued.
Kevin I will PM you as this Forum is too valuable to Free Speech to risk it being sued.
Mick, you can speak freely here if you wish. IHF is not liable for anything that you or anyone else posts here, as long as we do not permit you or anyone else to incite violence, violate a copyright or similar intellectual property, or commit libel (truth, mind you, is a defense to a libel claim, as is something that is expressed in the nature of an opinion). Even if that were to happen, the aggrieved person would need to contact IHF and ask us to remove the post or posts that allegedly violates any of the foregoing before having grounds to sue, and give us a reasonable timeframe in which to remove it. And again, just because someone alleges libel, etc., doesn't mean it is so, and doesn't mean that any such suit (which, by the terms of use for this website, would need to be brought in New York), would be successful.
If you say so Marc.....
This is what I PM'd Kevin last night......
" Kevin at an IIHF Congress in Canada a few years prior to his second attempt to split us up, the English born head of the IIHF Legal Department tried the same maneuver. Then IIHA President Cliff Saunders armed with information that I gathered from the Department of Foreign Affairs and the Legal Council of a major sporting NGB here, argued and won the case to keep the two parts of this island united while playing hockey. We even had the offer of our Ambassador to Switzerland making a call in person to IIHF HQ. We also proved that this person falsified or at least misquoted certain information.
Willie Fay was aware this had taken place although he was not involved, and didn't ask about it then or since.
I still have the relevant paper work and communications should you still not believe me, or you could seek verification from Cliff. "
I provided enough clues that the gentleman can be identified without naming him. The same person once asked me in all seriousness while I was Team Ireland manager at a Division 3 World Championship Why anyone would want to play for Ireland when they could play for Team GB. Sadly I was extremely naive, new to the role, and aware of my position as a representative of my country. It is to my eternal shame that I didn't clock him one.
There's absolutely nothing in that post that would give rise to any legal liability for IHF. Frankly, it wouldn't give rise to liability for you either, at least not under New York law, which is the law that governs the use of this website.
Thanks Marc, with him being a legal eagle I was/am a bit reticent about naming names. He is in North America a lot of the time and it would be a lot more costly for me than him.
I just noticed you are in the Bay Shore area which suffered terrible storm damage if I am not mistaken. Here's hoping you all get back on your feet soon and last winter will just be a terrible memory and no more !!
Perhaps I should add that myself and three others have already received threatening letters from Lawyers for ex IIHA President William Fay and the issue is still ongoing. The cease and desist letters were in connection with posts both here and on Facebook. As far as I am concerned they are completely without foundation and were never challenged at the time. Still there was no point in being reckless even though what I had written was entirely truthful and they were claiming that he had somehow been threatened.
Just to keep you all updated on the issue of the Gag Order by Willy Fay, I have added below the communications between his solicitor who I have given the title Neil Y to protect his anonymity and myself who I have called X.....
Good Afternoon,
I received your cease and desist letter this morning Your Ref: NM/RW dated 7/10/2013 and immediately rang your office to speak to you, but was told you were out and was assured I would hear back from you. Thus far I have heard nothing. Sadly your name was missing from the correspondence.
I request that you provide some detailed information on exactly what the wording was, that your client construed to be threatening. I am unaware of any threat that was issued and can certainly assure you that none was intended.
In fact, I would like you to provide the details of each and every post that your client considers to be unsubstantiated so that I can review it's merits or lack of same should it be necessary to take corrective action. I do believe that your client's time in office has been hugely detrimental to the administration of the sport of Ice Hockey on the island of Ireland and am not alone in that belief. I am assured that there remains here some measure of freedom of speech and feel this must be weighed up against your clients self serving self opinion.
I must also point out that your client has always been fully aware, and was again, only recently, personally invited by me to refute, rebut or even respond to any point that I had made, and so far he has failed to do so. This is the first indication that I have had that my comments might be considered unreliable.
Mr. Fay has, in the past, been caught in the unexplained possession of the private and personal emails of others in this sporting family. He has misrepresented the proceedings of a past Annual General Meeting to lead one to conclude that a mass resignation was in fact a mass sacking. He has reported a serving member of the Gardai to his superiors on similar claims to those that you are making against me. He has, it is believed, sought the expulsion of IIHA members based on their opposition to his management. He is in contravention of many of the rules of company law. Most of these lapses have gone unreported or have had a blind eye turned, due to the serious damage they would do to the good name of the Association.
I am aware that even the worst of criminals is entitled to representation but if your client has any consideration at all for the reputation of, and respect for, the Irish Ice Hockey Association, I would respectfully ask, that you request that your client reconsiders his instructions to you.
I would be delighted to discuss any or all of these points with you by mutually agreed appointment at your earliest convenience.
Thanks, X
Dear X,
I can confirm safe receipt of your email dated the*15th*inst.* I can confirm that I am out of the office for the coming days and will attend to the contents of same upon my return.
Neil Y,
Thank you for your belated reply. Unfortunately it adds nothing to the substance of the argument. I am considering whether or not to make public this threat by Mr. Fay, made through your office. My concern at this time, and the reason for my hesitation is how it will reflect on the Association and it's current leadership.
I am more than satisfied that any posts that I have made are
1. Substantiated and substantial.
2. Clearly show that your client was out of his depth.
3. Where opinion was given it was not refuted by your client despite many opportunities and invitations to do so.
4.Freedom of speech would be a clear loser should this threat go uncontested.
Therefore you should be aware that while I am still prepared to consider reviewing and re-editing my posts if you can point out the errors of my ways I will not be diverted from a course of shining a light on the bullying and abuses that have surrounded that particular gentleman for the last few years.
I honestly need to hear something more from you and your client before close of business today to ensure that this business does not continue to spiral out of proportion.
I must add that I do have concerns about Data Protection and Conflict of Interest in this matter.
Hoping you personally have good news in the next few hours,
Dear X,
I appreciate your position however due to my present circumstances I am not in a position to progress the matter with my Client.
I can however confirm that Mr. Fay is my Client and I am the only person dealing with the matter. Accordingly no further action will be taken by our offices until such time that I return to the office. In addition I can confirm that our offices would not take any further action without the prior addressing of your correspondence.
I trust this is to your satisfaction, at least for the time being.* I will touch base upon my return. No further action will be undertaken prior to this.
Neil Y,
Hi Neil,
First of all, I hope all is going well with the new arrival and that both mother and child are doing well!
You might remember it's been a while since you contacted myself and three others seeking to restrain us from commenting on IIHA ex-president William Fay. We believe his conduct in office left much to be desired and that it is in the interest of the sport that we discuss some of what has gone on. I can assure you however that there is, and never was any risk of a threat to either he or his family.
I look forward to discussing this matter with you personally whenever the opportunity arises and to putting your mind at rest. As you canimagine I do not welcome this hanging over me and look forward to a swift resolution.
Dear X,
Many thanks for your well wishes. I can confirm that mother and daughter are doing very well. I have not had an opportunity to catch up on all of my work to date however I can confirm that I have spoken to my Client with regard to your correspondence and I await his response. Once I am in receipt of same I will be in further contact.
Neil Y,
Thanks Neil,
I'm happy to hear the good news about the family.
Thanks for getting back to me. Along with myself, those I have spoken to accept the validity of my comments and have told me I have grounds for my posts. As I have said before, your client has had ample opportunity to deny or disprove all or any of what I have said but has never done so. The sites I have used will accept his comments as freely as they will mine, so I can not accept the responsibility for his unwillingness to take issue with opinion that I know to be valid, truthful and well intentioned. Nor do I feel he has the right to use you to gag myself and the other three who have been contacted, and to consider himself above and beyond valid criticism.
I will not waste your time now by listing a few of your clients shortcomings and his many skirtings of the law. Suffice to say he would not walk away from any legal proceedings with his integrity (what is left of it) intact.
If I may be so bold, may I suggest to your client that, as a scare tactic, this has been less than effective and to pursue it further would be a waste of his money and both yours and my time.
Thanks again for your reply Neil and I look forward to your response, especially, if you can make your client see reason.
Many thanks,
My final communication was sent earlier today 7/12/13
Hi Neil,
As you will be aware I have been issued with a cease and desist letter from you, on behalf of Mr William Fay. You will also be aware I have contacted your office on up to ten occasions since then, seeking detail from your client clarifying on what basis he feels he can claim to have been threatened and/or defamed. I have, as yet, not managed to speak to you or had contact back from your office other than vague messages assuring that a reply would be forthcoming.
Tomorrow 7/12/13 - 2 months will have passed since the letter was issued and I feel that, at this stage, if your client was able to provide instance of threat or defamation it would have been forthcoming. I am, therefore, writing to inform you that I no longer feel that I have any need or obligation to restrain myself from expressing my opinion, critical or otherwise, of Mr. Fay's actions as his claims which had no credence in the first place and even less now that he has shied away from the provision of examples of injury.
I would welcome any opportunity to debate with your client on any issue where he feels I have been less than fair, and I am aware that your involvement in this has been in a purely professional capacity and that everyone, even the least savoury amongst us, is entitled to benefit from your expertise.
Merry Christmas Everyone ......With one small exception !!
Just saw a post on Facebook 45 mins. ago showing a picture of an article from the local paper which makes this post more credible. Hopefully the first positive news we have had in ages here. DkIT stands for Dundalk Institute of Technology and they hope to be able to offer more courses (in Phys. Ed.)with the acquisition of the rink and the building next door (JJB) which houses, along with the list below, steam rooms and a jacuzzi.
Eduards Bartkevics
Long story short- DkIT took over JJB and Ice Dome in Dundalk and will be fully operational (gym, swimming pool, indoor football pitches and ICE RINK) for new academic year, September 2014
View 2 more comments
Alan Troy Fantastic news!
13 hours ago · Like
Alan Fleming Great news hope all goes well.
45 minutes ago via mobile
Last edited by Mick; 03-01-2014 at 15:30.
On Sun, Dec 22, 2013 at 6:17 PM, I wrote in an email to the firm of solicitors who communicated on behalf of William Fay....
Dear Y,
I acknowledge receipt of your last letter on Saturday 21/12/13 and ask that you please excuse the rather unusual opening to this letter but you have somehow neglected to formally identify just who it is exactly in your office that I am corresponding with.
Just as unusually however, you have failed to provide the specifics of what it is that your client has taken issue with. How am I ever supposed to review what your client finds contentious if you fail to identify the chapter and verse of that which he would like to see changed.
I forcefully decline to accept the notion that I have at any time threatened Mr. Fay, indeed I find your attempts to silence a concerned spectator and commentator far more threatening, and insist that you desist from using that term- "threatening" (which you have thrown around on more than one occasion) without ever attempting to prove it's veracity.
I am totally unaware of any claims that I have have made against the IIHF, the Olympic Council, The Federation of Irish Sport or the Sports Council, and fail to see what relevance these organisations have in this matter or what you expect me to say to them. I furthermore doubt that you have been retained by any of those august bodies to defend them, and as a consequence consider that section of your letter to be a malicious distraction intended as a scare tactic and an attempt to add gravitas to an otherwise shoddy attempt to gag the honest opinion of one who was attempting to avert the sinking of a poorly navigated and poorly maintained vessel, rather than one who was trying to besmirch the legacy of the mariner intent on, or neglectful of, driving her onto the rocks. Having waited two and a half months for a reply from you, it is totally unreasonable to expect immediate action from me, on a notification which contains, other than general bluster, none of details that I have repeatedly requested in good faith. How am I to divine, prey tell, just what he finds offensive, when you have failed, despite many unreturned telephone calls to your office to provide any indication of what I am to search for or amend. Sadly your letter was delivered at the weekend, just one working day before the holidays, so, without your clarification, I am neither in a position to, nor have any inclination to, give over my Christmas to such a wasteful and pointless exercise in futility, when I know that without detailed knowledge of what he claims to find offensive whatever I produce will inevitably serve no purpose. Without the requested information your latest communication can have little worth other than it's intimidatory and nuisance value. Your fourteen day ultimatum I must conclude is therefore beyond compliance.
Perhaps when you do get back to me with the requested information, which might perhaps provide a fleeting glimpse of the threats and abuse you refer to, yet decline to specify, you might also explain why your client has, until this point, not sought to challenge or even communicate his dissatisfaction, with anything that I have written, despite many requests to hear his side of the story. I attended many IIHA meetings, when not prevented from doing so, and at no time did Mr. Fay make any reference to displeasure about anything I posted. Similarly he has never attempted in the past to use the same Fora to challenge, cry foul or debate as was his right and which would be my own chosen initial option were I to take umbrage at something I did not agree with. I find it depressing that his first choice was to seek recourse to legal action, and also that an admirable firm such as yours has allowed itself to be used by someone intent on shackling free speech, someone who is not above using his position as a sports Referee-In-Chief to try to to settle old vendettas, and someone who has been proven to be in the unauthorised possession electronic mail of colleagues, and on who's stewardship the jury are still out. I can tell you now that one site I frequented came to be used for inter-communication between members of a committee which was set up to provide regime change at the IIHA and I can confirm that I was not a founder member of either the committee or the page. I do know that your client was both aware of and participated in the conversations on that page back in April/May and yet he never saw fit to bring up previous comments of mine or anyone else.
To conclude, you threaten legal proceeding for nuisance when your client failed to register any objection during the many meetings we have both attended simultaneously, or on other occasions when there was ample opportunity for a quiet word.
You threaten proceedings for damage without ever saying how he was damaged and you threaten proceedings for threats that were never made.
I am happy that it would be relatively easy produce a parade of IIHA members who would be happy to attest that such was his standing in their eyes that it would be rather difficult to defame him. However if defamation, harassment or damage to your client had been my objective, surely I would have sought out a much larger audience such as national newspapers or phone-in radio shows rather than sport-specific websites used only by those with a focused interest in hockey and a concern for the calibre of person that was representing them.
Finally perhaps you can explain how someone who retires from a position can suddenly feel harassed in retrospect when no mention was made of same perceived harassment while he was in office.
I am at all times anxious and open to hearing your clients point of view and once again extend an invitation to your client to enter into correspondence publicly so the members of the IIHA can decide who or what to believe on a given subject.
May I wish you and yours a happy, peaceful and relaxed Christmas, as will me and mine, safe in the knowledge that we have done no one an injustice and that in due course, when all is revealed, claims of defamation will be seen to be the joke I know them to be.
Yours faithfully,
And on January 14 2014 this email was sent.....
Dear Y,(Firm of Solicitors),
As the Christmas holidays are over and done with for another year, it is time I replied to you with regard to the letter below and the "cease and desist" letters which I received from you last year. Below is the publicly stated opinion of the controllers of the website on which I regularly commented on the state of the sport of Ice Hockey in this country, and which were not solely devoted to discussing your clients performance of his duties ....
"There's absolutely nothing in that post that would give rise to any legal liability for IHF. Frankly, it wouldn't give rise to liability for you either, at least not under New York law, which is the law that governs the use of this website."
To the best of my knowledge the controllers have never been approached, nor have they themselves ever felt the need, to request the amendment of even a single word that I have posted on that site. Therefore I believe I have their tacit acceptance of the points I have made, and their opinion that my comments although critical were not malicious.
I also believe that, if the singular priority of your client is the protection of his reputation, "speed of removal" would be his greatest concern. Since receiving your letter dated 7/10/13 the multiple occasions on which I agreed to consider the editing of my posts should they be identified as erroneous, have gone unanswered, and, I am still at a loss to know what your client considers to be defamatory but can do nothing to deal with your client's concerns without your input. I am left to conclude so, that speed of removal cannot be deemed to be your client's top priority, and that in fact this is just another in a long line of attempts to silence outspoken critics.
Really Gentlemen, this farce has gone on long enough and I must advise you that I will not be replying to any further communication from you that does not contain the submission of all and every occasion on which your client considers himself or others to have been defamed. If your client is unwilling to do this, then I can but look forward to my day in court and assure you that my defense will be vigorous, my criticism scathing, revelatory and eloquent, and in the opinion of all who are in possession of the full facts, the eventual outcome totally assured.
Yours faithfully,
Last edited by Mick; 14-01-2014 at 20:20.
This is one of the most entertaining reads we have ever had here. Thanks Mick! And hopefully Irish hockey will be moving forward again soon with the re-opening of the rink.
You've been heard Mick, repeatedly. Time to look forward...as the title of this thread would suggest.
Hi Rex it is perhaps more entertaining when you are not the one under threat of court proceedings.
I fail to see why my family should have to scrimp to allow me to consult with an attorney, as you call them in the US., so everything I have replied is without anyone else's input, which is some responsibility,and I just hope it is compelling enough an argument to make the legal eagles think twice. Your support and hopefully well wishes are really welcome so thank you. I have not posted what I posted nor am I defending those posts to revisit old history it is more with a view to ensuring that the lessons of previous mistakes might be learned and that errors of the previous administration will never again be repeated.
A thought just occurred,.........God I hope your enjoyment is not down to my naivety or some silly misunderstanding on my part ????
By saying entertaining I do neither refer to the dire times Irish hockey has gone through nor the hazzels you are exposed to personally. What entertains me (the term is not well chosen in this respect though I admit) is being able to follow the struggle to rebuild the sport in your country so closely (I was resp. still am involved in my sport in Austria where analogous problems of bad governance impede development so ı know what you are up to). Furthermore, I do enjoy reading your correspondence with X because it is very well written on your behalf and is, for the non-native speaker I am, very educating concerning the English language.
Thanks again Rex for your kind words, it is good to know you were at least laughing with me rather than laughing at me.
Puerto Rico stands beside you %100 --Our plight also suffers at the hands of Lackies,Halfwits and the truly crooked.I consider your piece my personal Magna Carta to crib and quote at will! Logic and perseverance will be our guideposts.
"Ice is civilization" Paul Theroux-Mosquito Coast
Wow kind words indeed and inspiring too. Thanks for the lift you folks have given me.
Irish Ice Hockey Association · 1,225 like this
about an hour ago ·
Important Notice - Extraordinary General Meeting
The Directors of the IIHA have called this Extraordinary General Meeting in accordance with section 11 of the Memorandum and Articles of this Association.
The Extraordinary General Meeting will be held at
Irish Sport HQ, National Sports Campus, Blanchardstown, Dublin 15.
on Saturday the 15th day of February 2014 at 2pm.
The meeting shall be convened at 2:30pm sharp.
All IIHA members are welcome. Photo Identification will be needed for all those wishing to vote that are entitled to vote. Acceptable forms of identification are Passport, Driving License, and Garda Age Card. Any questions in relation to other forms of ID please contact the IIHA office or e-mail firstname.lastname@example.com before the EGM takes place.
The Purpose for this Extraordinary General Meeting is to put forward to the members of the association, a motion of no confidence in Gary Harvey as Treasurer and Barry O'Hanrahan as Vice President.
Extraordinary General Meeting - Irish Ice Hockey Association
The Directors of the IIHA have called this Extraordinary General Meeting in accordance with section 11 of the Memorandum and Articles of this Association.
Just to keep you all updated...........
No developments on the rink situation, we remain hopeful that Dundalk may yet have a positive outcome having been bought out of receivership by the Dundalk Institute of Technology. (DkIT)
No further communications from/to the firm of solicitors to/from myself or the other lads who were sent cease and desist letters.
The two gents named above by the IIHA were an inheritance from the previous administration so I am seeing this as belated justification and confirmation that the many posts I made about errors, misjudgments and irrational decisions made at that time are now being seen as valid and upheld, and, should never have been the basis for the allegations of malice contained in the afore mentioned solicitors letters.
Hope there is better news for hockey in Ireland, soon.
Thanks Geoff. Keep dry and dredge those rivers !!
I was not able to attend the EGM and no official minutes have been posted so far. However I believe both the Treasurer and VP were excommunicated 18-1 and 19-0 respectively.I understand the venue was cancelled by someone claiming to be an Exec. but luckily the plot was discovered and the event went ahead. It is rumoured that these two plus one other executive from the last regime have questions to answer concerning mis-appropriation of funds. Threats and counter allegations were made allegedly yet none of those who were in jeopardy turned up.
It looks like bit by bit the culture I was trying to discuss and correct is being weeded out, and the claims that I made are being seen as justified.
Hey Mick,
I'm a hockey fan of Irish descent who's been trying to figure out what's been going on with the IIHA and stuff for a while now. I was interested in potentially writing a blog post/article about it. Any chance we could exchange an email or two? I'm a new user, can't send PMs.
Yes BMW happy to help and PM'd you.
Seems that ice hockey in Ireland still lives on!
Some Irish teams are playing in Cross Border Cup 2016/2017 which is organized by Irish Ice Hockey Association.
Games are played in Dundonald Ice Bowl in Belfast. There are teams from Ireland and Norther Ireland.
Teams are: Flying Ducks Dublin, NI Tridents Green and NI Tridents White, Dundalk Warriors, KIlkenny Storm, Celtic Clovers A and B teams, Latvian Hawks and Belfast Foxes.
Any scores or video from this event?
Eurohockey created a page for the competition with results and avaiable rosters http://www.eurohockey.com/league/147...ional-cup.html
Looks to be the best thread to post this one on. This was from just over a week ago but National Teams of Ice Hockey reported that the Ireland national team played a couple of games in Chicago. Good to see some games got played before the shutdown.
- Ireland 15-12 College A Rec Team (14 March 2020)
- Ireland 11-10 (OT) Chicago Fire Department (16 March 2020)
Ice Hockey News Australia - coverage of Australia's national leagues, national teams, and bunch of other stuff
There are currently 1 users browsing this thread. (0 members and 1 guests)


text:
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subset: commoncrawl


text:
We've been getting lots of reader questions recently on student loans – what to do with them, how to pay them off, and whether or not to consolidate them. Luckily, I was recently contacted by a relatively new company, SoFi.
This company specializes in consolidating and refinancing student loans, and it could offer a great deal for many of our readers. So I sat down with Dan Macklin, SoFi's Head of Business Development and Co-founder. We talked about how the company started and what it offers for those in student loan debt.
Table of Contents:
Topics Covered in the Interview
- How the student loan refinancing company SoFi started
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- How to invest with SoFi
- New programs the company is rolling out soon
- The terms of loans offered by SoFi
- The types of refinancing loans available and the interest rates on those loans
- How SoFi's Entrepreneur Program, Career Services, and Veterans Program work
Resources Mentioned in the Interview
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There are two ways to subscribe for free to the show–
iTunes: You can subscribe in iTunes by using this link.
Stitcher: Or you can subscribe to the show in Stitcher by using this link.
Help me out: You would be doing me and the show a huge favor by leaving an honest rating and review of the podcast on either iTunes or Stitcher. Thanks so much for your support.
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Interview Transcript
Rob: Dan, welcome to the show.Dan Macklin: Hi, Rob. It's nice to be here.
Rob: Hey, I appreciate you taking a time out of your day to talk with us. As I mentioned before we started recording, I have gotten a lot of emails from listeners who have school loans and they want to understand how to— should they consolidate them? Should they refinance them?
As I was getting some of those emails, someone from SoFi reached out to me, so I thought it would be good to just have you on the show to hear about what your company offers. To start, Dan, why don't you give us a little bit of your background and then what SoFi is and what it does for folks?
Dan Macklin: Sure. Again, thanks Rob for the opportunity today. SoFi is a student loan refinancing company. I was in banking for 10 years. I'm originally from the UK. I also worked in Asia, and then went to Stanford for a year to the business school. I decided at the end of that to start a company with a couple of my classmates.
We're really trying to do something new in the finance space, and we started with students loans. That's how SoFi was born. Two or three years later, we've evolved to be the largest refinancing company of student loans in the country. So far we've refinanced about $500 million. We are helping a lot of people save money on the loans that they have.
Rob: Half a billion is a lot. How long have has it been for you to refinance that amount?
Dan Macklin: Our first loan was made two and a half years ago. We started at Stanford with the pilot program there. We started at the business school lending to people there. But the bulk of that $500 million has happened in the last six or eight months.
Month to month growth over the last year has been very strong, and we expect to hit $1 billion before the end of this year. That's what we're on track for. Unfortunately, for good or bad reasons, there's a lot of student debt out there so there's a big demand for what we're doing.
Rob: Right. Why don't you describe for us how SoFi works? If someone has a school loan and they want to consider you guys for possible refinancing, how would they do that?
Dan Macklin: Sure. SoFi is a great solution for people who have graduated already and are working now and earning a salary. For many folks like that— maybe one, two, three, four years out of school already, obviously a lot of those people are still sitting there with a lot of debt around their shoulders.
A lot of that debt is expensive, particularly if you went to graduate school. You may be paying 6.8 percent or 7.9 percent, depending on which government program you took loans from. Many folks have private loans that are higher than that. What SoFi does is consolidate all those loans (as many as you want to) into one loan with SoFi at a lower rate. People who are refinancing through us are saving close to $10,000 on average because we're reducing their interest rates by two, three, four—sometimes even five percent.
Rob: Why is that? In other words, why is SoFi able to refinance these loans at lower rates when presumably the original lenders are obviously charging much more? How are you able to do that?
Dan Macklin: I think it is because it is a bit of a strange market. Most people took out the loans when they were at school. They were to fund their time at school. At that stage they had no income because they were at school full time. And, too, they were pretty young with very little years of experience, very little credit history.
By the time they come to SoFi, they have already graduated and are now working and have a salary as well as some credit history. Really, we get the benefit of knowing a little bit more about them, and we're able to give them a loan that is priced more fairly based on their situation at that time. We don't think that you should be paying the same rate that you took out five of six years before. We think you should be getting a better rate.
Rob: Okay. Speaking of rates, what are the interest rates that you charge?
Dan Macklin: We have two main types of products— a fixed-rate loan and the variable rate loan. For the fixed rate loan we have different terms: five, ten, and fifteen years. The five-year product goes for 4.99% to 5.99%. At the other end, the 15-year goes for 5.99% to 6.74%. All those rates are deliberately below the 6.8% standard unsubsidized rate that people are typically coming out of.
On the variable side, it's based on one-month LIBOR. In today's LIBOR rates, that equates to a loan of 2.91% to 4.91%. Obviously with variable those rates could move around if LIBOR moves around. But, roughly half of our customers choose the variable rate because on most occasions they're fairly confident in paying their loans off relatively quickly, and they like to take advantage of that low rate.
Rob: Okay. Let me dive into the weeds just a moment on the variable rate. If someone goes with the variable rate, how frequently can it adjust?
Dan Macklin: It gets reset on a monthly basis, and it is reset based on where the LIBOR rate is. LIBOR is London Interbank Offered Rate. It's the rate that financial institutions use to peg their interest rates against. If you look at LIBOR for the last few months, it's been extremely low and stable. It's not really going up or down anywhere.
But of course, we can't predict the future. We don't know where that rate is going to be. One good thing about our loan is that it's capped at 8.955%. So, in the very worst scenario where interest rates go sky high because of some huge economic crisis that may happen in the future, the most someone will ever pay is 8.95%. So, if somebody is coming out of paying 6-7% can come down to something around 3%, they can be saving a lot of money for a long time, even if that worst case scenario were to happen in the future.
Rob: All right. I take it that the variable rate is LIBOR plus some amount?
Dan Macklin: Yes. It is one month LIBOR plus 2.75%. That's the lowest rate. Today, LIBOR is at 0.16% where we get the 2.91%.
Rob: Right. Okay. In listening to you here, it almost sounds like this is more ideal for folks who have unsubsidized loans as opposed to those people who have subsidized loans. Is that right?
Dan Macklin: I think so. Yes. If you are paying a loan rate of 2% or 3% already, then the amount of money that you could save from SoFi is relatively limited as opposed to when you are paying 5-8%, where the savings can be much higher. So, there are convenient savings, and you only have one loan to pay at the end of each month as opposed to maybe five or six. But for whatever reason you already have an extremely low rate, then we may not be able to help everybody.
Rob: Okay. In terms of qualifying for these loans, can you give us a sense as to… Let's start with credit scores. Is there a minimum credit score? How does one's credit score affect whether or not they will qualify for a refinance loan and the interest rate that they will get?
Dan Macklin: Sure. It's going to be more complicated than that. Eligibility for our loans and the rate that you get approved at depend on a number of factors. Those do include credit scores, so that certainly is an important thing that helps us in deciding which rate to give you. But, it's also depends on your employment status, your income and a number of other things.
Rob: And I know that underwriting is a very confidential part of most finance companies, so maybe there is a limit to what you can share with us, but is there a minimum credit score that if you're under, there's no point applying? Or is it not quite that black and white?
Dan Macklin: As you said, Rob, it's hard for us to give exact numbers because it's never quite that black and white. That will depend on a number of factors. You can have one factor that may be less good. It's not quite as simple as just giving you one number. But generally, the higher your credit score, the higher your salary—that kind of thing, you tend to have a better chance to get approved.
Rob: Right. This is a question I get a lot from folks. When you pull the credit score, are you using the FICO formula for the credit score?
Dan Macklin: Yes. We all use that. We have a number of other things that we're using, but included within that is FICO.
Rob: Is there a limit to the loan size that they can get?
Dan Macklin: There isn't. There's a minimum loan size of $10,000 but there is no maximum. We frequently have people… Our average loan size, to give you a sense, is around $90,000.
Rob: Oh, my word.
Dan Macklin: That's probably because the bulk of our customers have been to professional graduate schools (business, medical, law, engineering). These folks typically have more debt – particularly those in the legal and the medical space. We've had people with $200,000 – $300,000 loans. Some have up to $400,000 loan size.
Rob: I was going to ask you what the record was. Over $400,00?
Dan Macklin: Yes. We've had a $500,000 loan as well. Fortunately, those sizes are not typical, but we certainly have a lot of people with over $100,000 loan.
Rob: Did you just say that you have someone with over $500,000 loan?
Dan Macklin: We did. It's unusual to get this high. This person was earning a very good salary in the medical space. There are folks who incurred a lot of debt in medical school and still had good career prospects, but that person is saving himself a lot of money. That's for sure.
Rob: Yes, I can imagine that with that kind of loan, SoFi would be a godsend if you could get your interest rate cut by a couple of points. Okay, that's helpful. In terms of eligibility, does it matter where you live or are you in all 50 states?
Dan Macklin: We're not quite in the 50 states, but we're in the majority. We're in 41 states. It's on our website. We're in the most populous states, so we cover around at least 96 percent of the population.
Rob: And you have to register in each state? Is that correct?
Dan Macklin: That's correct. We started in California, and then we got a lending license here. We can export that license to other states. Yes, we're fully registered in all of those 41 states.
Rob: Since you're in this space, you're probably familiar with the folks at Lending Club or Prosper, which obviously have a different kind of model. But, I know they went through that a few years ago. That's a lot of regulatory stuff that you have to go through. I take it that the plan is to expand into the remaining nine states?
Dan Macklin: Yes. We certainly want to be in every state as quickly as we can. Without boring you with the details, there are various reasons why it gets more complicated in some of the states, but we'll get through that and we will be everywhere before long.
Rob: And does it matter what school you attended?
Dan Macklin: We actually accept applications from folks who went to more than 2,000 schools. We have an extremely wide and varied schools list now. There are a few that are not on that list, but there are more than 2,000 so I'm sure the majority of the listeners would be eligible in that way.
Rob: What's the angle there? I can understand that on the state level you obviously have the regulatory stuff you're taking care of. But, why does it matter what school someone went to?
Dan Macklin: I didn't mention in the beginning that the reason why we started SoFi – or rather, one of the reasons that makes us unique – is that part of the funding for that loans comes from individuals—predominantly alumni from the schools. Let's say that we have somebody from Stanford.
Alumni would invest money, and that money would be used to make loans to students including recent graduates from Stanford. Some of that then dictates which schools we go to depending on where the money is coming from.
Rob: I see. Speaking of investing, do you accept new investors?
Dan Macklin: We do. The only platform that provides investors with access to super premium credit (the credit quality that we have is exceptional) is through our portal.
Rob: For someone who is interested in investing, do you show information like default rates and that sort of thing?
Dan Macklin: Yes we do. It's very heavily regulated industry as you can imagine. It's limited to accredited investors. These are relatively wealthy folks with $1 million in net worth or people with a very good salary. It's not yet a mass market investment product, and we're making moves in that direction. For folks with money and the ability to invest, it's a great investment.
Rob: Yes, it seems that for some folks it might be more than just the investment but also a way to give back to their school, so to speak.
Dan Macklin: Yes, there certainly is a bit of that. There certainly is a social aspect to it. The name SoFi comes from Social Finance. We take pride in the fact that we think we're doing good things. We're helping young people save lots of money. We're helping them to get on with their lives— start families, get married and do all those things that cost money. Student loans may be preventing them from doing that when they really want to. There is certainly a social aspect but honestly speaking, I think most people do it for the return or maybe a combination of the two.
Rob: If there are folks listening and they happen to be accredited investors, this would at least be an option that they could consider if they want to?
Dan Macklin: That's correct. You can get more information on our website and we have a team here set up to provide that information.
Rob: Okay. Just a last question on the borrowing aspect. If someone's application gets approved, they get a certain interest rate. Can they see this information before they actually decide to move forward?
Dan Macklin: That's correct. There's no obligation to take a loan when you apply. By law, we are not allowed to do that. We wouldn't do that anyway. You can apply. It's a very quick process. It takes about five minutes online. There are very few pieces of information we need.
We will then give you an approval decision. And most importantly, we will give you the rate that you've been approved at. If you aren't saving enough money or you don't wish to proceed for whatever reason, you're free to walk away. There is no commitment whatsoever.
Rob: If someone takes five minutes to fill out the information, how long does it take SoFi to actually decide whether they're actually going to approve an application and at what rate?
Dan Macklin: We actually approve instantaneously a huge number of our applicants. You would get a decision literally within 20 seconds. For some folks, we have to do a little bit more of thinking. They may be more on the edge. That may take a day or so, but it's still extremely quick. The whole process from applying to getting a SoFi loan can be as small as seven days.
Rob: Okay, that's great. I also saw a couple of other things. The first one is that you have a Job Search Assistance. What is that?
Dan Macklin: This is more of a need for the company. We want to be more than just a good lender. We want to actually provide services with benefits beyond that. Our Job Search Assistance falls into that category.
We have at team of people who are set up to help our SoFi customers and members with their careers. That typically comes into effect if maybe you had an unfortunate incident and you lost your job. We've had a few of those. We've actually helped more than 28 people to find new jobs using this career coaching which is the Job Search Assistance.
Rob: I also noticed that you have an Entrepreneur Program and a Veterans Program. On a high level, can you explain to us what those are all about?
Dan Macklin: We are very proud of the Entrepreneur Program. We have helped 23 of our borrowers who started their own companies. That helped manifest itself in a variety of ways. Principally, we can defer that person's loans for up to 12 months which is obviously a huge befit to that individual. They don't have that financial burden around them, and they can concentrate on starting their company.
But more than that, we give them the ability to connect with investors. Through our own activities as a company, we know many investors. A lot of people investing in the loans are interested in funding these types of companies. So, we've managed to pair up our borrowers who have started companies with investors and we've helped a lot of them start their own companies which I think is a great thing.
Rob: That is the Entrepreneur Program?
Dan Macklin: That's correct.
Rob: And then you have a Veterans Program.
Dan Macklin: The Veterans Programs is a way… Obviously, a large number of our customers who've been to graduate or undergraduate school are veterans. Further, a lot of our investors are also veterans so we provide for that connection there.
Rob: Okay. And then, apart from the interest portion of the loan, are there other fees that a borrower has to pay?
Dan Macklin: None. There are no origination fees with the loan. There is no upfront cost to refinancing with SoFi. And at the back end, there are no prepayment penalties. You are free to pay perhaps $100 extra every month. There will be no charge for that. Equally, if you get a nice bonus or you run into some money, and you want to pay a big chunk of your loan, there won't be any fee either.
Rob: Are the payments automated? Are they directly taken from a checking account? Do you have an automation built in?
Dan Macklin: Yes. We prefer auto pays, so you can pay directly from your checking account or bank account on a monthly basis. We actually give 25 basis points deduction if you do that. I think about 95% of our customers do that.
Rob: That's terrific. I almost kind of wish that you guys were around when I was paying for my law school, but that's a whole another topic. What's next for SoFi? Are you going to go beyond school loans?
Dan Macklin: Yes. We actually just have. In the last couple of months we started to move into the mortgage business. We have a license in California and we're doing a small pilot here with some of our student loan borrowers or refinancing borrowers who are now buying their homes.
We're looking to grow that and build it out to the rest of the country over the rest of this year. And then we will be launching additional financial products after that. What we started with student loans refinancing was a way to build up a great customer base. Now we're looking to add more value as they move through other financial needs in their lives.
Rob: Great. Listen, I appreciate your time. This is an interesting product and it will be interesting to see how you guys do, and grow. School debt is just a huge… I've heard that it's at $1 trillion. Is that the right number?
Dan Macklin: Yes. There are lots of different numbers on exactly how big it is but roughly speaking, it's around a trillion dollars and there's about another $100 billion added every year as each new class graduates. So it's a big problem. It's not going to go away quickly, but we're doing our little bit to help.
For the folks who find us, we can save them a significant amount of money. It will only take you five to ten minutes to apply, so I would recommend for folks who are interested to go to sofi.com and have a look at us. Just apply, and if you like the rate, then great. We can go from there.
Rob: Great. All right, Dan. Listen, I appreciate your time today.
Dan Macklin: Thank you, Rob. I appreciate it.
Rob: All right, man. Take care.
Dan Macklin: Bye.
I hope you enjoyed the interview, especially if you've got expensive student loan debt. If you do, SoFi may be a good option for you to check out, especially if you have private or unsubsidized student loans. If your loans are subsidized, the lower interest rate means you may not want to refinance them at all, since your interest rate is already so low.
But if you do have some unsubsidized or private loans, you may want to check out SoFi. If you do, check it out through this affiliate link. Yes, I'll get a commission if you follow the link and refinance your loan. But there's also a benefit for you: a $100 referral bonus in your account.
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By Katie Mettler
Valley News Staff Writer
(Published in print: Friday, June 14, 2013)
South Royalton — It was a day of firsts on the green in South Royalton yesterday. The town's grant-funded public wifi was unveiled and the third annual BALE Fest got rained on.
"The last two years we've had beautiful weather," said Chris Wood, a staff member for the organization BALE — Building a Local Economy — which serves as a resource for local businesses and brings them together for events like BALE Fest. The rain was steady yesterday, but so was the foot traffic as Upper Valley residents weaved among more than 50 booths lining the green.
"This is a celebration of all things local," said Wood, who helped coordinate the 6-hour event. BALE Fest kicked off at 3 p.m. with an official introduction to the town's new free public wireless Internet connection.
When Tropical Storm Irene hit in August 2011, towns in Vermont were cut off from assistance. In the storm's aftermath, some residents in Royalton were focused on improving communication of all types, said Caitlin Lovegrove, the network and outreach coordinator for the Vermont Digital Economy Project, which funded the wifi installation.
The U.S. Economic Development Agency awarded the state a $1.8 million grant to aid towns that were rebuilding in Irene's wake. The Vermont Council on Rural Development was awarded the grant money, Lovegrove said, and developed the digital economy project. Designed to provide broadband infrastructure and online tools for towns that were hit worst by Irene, the program kicked off in January of this year and received 24 applications. Project Director Sharon Combes-Farr and her team identified eight towns that needed help the most, and Royalton was one of them.
In addition to the public wifi, the project created a landing page for the connection, which could be used to post advisories, safety notices and public memos. Although the project funded the equipment and installation, it is up to the town to pay the monthly $80 Internet bill. Soliciting help from local businesses, the town sold ad space on the landing page for $30 each. Reaching the entirety of the town green and some nearby businesses, the wifi signal has several purposes.
"It's a win, win, win, win," Rep. Sarah Buxton, D-Tunbridge, said to the handful of onlookers who ventured from the protection of the large white tents to hear her and others speak at the unveiling. Buxton explained that the free wifi would serve local businesses, residents and visitors and promote public safety awareness.
"This will help us stand up to the next Irene," said Ted Brady, a representative from U.S. Sen. Patrick Leahy's office. "Hopefully this will be able to make us look back 100 years from now and say Irene made us a stronger community."
The rallying spirit of the wifi installation went hand-in-hand with BALE Fest's call for community engagement.
"Now buy local today and buy a lot," Buxton, wrapping up the wifi unveiling.
Within the first few hours of the festival, Wood had predicted turnout wouldn't surpass the 1,000 people who attended last year. But he was confident that area residents would show up later in the evening for the entertainment planned at the bandstand.
As Wood explained the value of BALE Fest, 2-year-old Emmitt Wurm, in green rainboots and a Boston Red Sox cap, played with 2-year-old Quinton Smith in the center of the green as their moms ate local food and chatted with friends. Quinton's mother, Meg Hopkins of Tunbridge, said she'd been attending since its inception, when her husband's band performed, and enjoys getting together with community members.
"It's well-timed because everyone is ready to get out and celebrate," Hopkins said. The wet and chilly weather didn't stop young kids from wrestling in the grass or engaging in several hands-on activities; a Royalton Recreation face-paint station, a Vermont Energy Education Program workshop about home insulation and an area to practice jumping rope.
The Vermont Independent School of the Arts had set up a table to promote the music lessons they offer, and across the green George White of Tunbridge and Paul Kristensen of Sharon repaired bicycles. By 5 p.m., the duo had done simple repairs on eight bicycles, completely free of charge.
"The goal is to just get people on their bikes," White said.
"What's equally important is the pep talk we give them," Kristensen added.
Vendors weren't required to pay a registration fee, but were encouraged to make a donation to the BALE Fest silent auction.
"We were here last year and we'll be back next year," White said.
Katie Mettler can be reached at 603-727-3234 or email@example.com.


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Publishing Choices For Writers – Self-Publishing Print on Demand, Introduction
Under the self-publishing umbrella, there are many options for writers when they are considering how they want to get their work out into the general public. Traditionally, authors were limited with either working with a traditional publisher, or finding someone to help them self-publish their work. As discussed in other articles of this series, there are many different ways for authors to get their work out there depending upon each author's individual needs.In the past, whether an author worked with a traditional publisher or self-published, hundreds of their books needed to be printed at any one time. With the advent of new technology, writers can now actually see their work in print prior to printing without sticking them with too many unsold copies of their book. In addition, they have the option to print a copy of a book only when one is sold. Authors can do this through Print-On-Demand (POD) technology.
Print On Demand, as the name implies, allows an author to print as small a number of copies as they want, whenever they want, through a digital printing process. Because the book is being printed digitally, there is no need to set up the traditional offset printing presses, which would be cost prohibitive for a single or a just a few copies of a book. Once the set up is done for the digital format, it is done and can be used repeatedly whenever the need arises.Print On Demand solves many issues for new writers not being published by a publishing house. For example, prior to getting their work out to the general public, authors may want to have an advance review copy of their book for either their own review or to send to a book reviewer. Having an established book reviewer give a good review of a book prior to full printing is a good indication as to ultimately how many copies should be printed. In the alternative, a bad review might indicate the need to go back to the drawing (or in this case writing) board to clean up the work.Also, Print On Demand solves the storage issue for books for both a publisher and an author. In the past, whether published traditionally or self-published, when a book was done, there were copies hanging about until sold. Both publisher and author would have to warehouse them which could get expensive, although the author usually ended up with hundreds of books on their kitchen table or in their basement. With Print On Demand, a book is only printed when needed.
At the same time, in order to see a copy of their book in print prior to printing the larger number of copies, an author would have had to pay an absorbent amount of money to a printer to get the single copies. Now, it is usually just a small set up fee to the digital printing company and an author has a book in print.All the above are some benefits of Print On Demand. However, it is not the answer to all publishing ills. In the other parts of the POD series I will discuss some negatives that may be deciding factors on not going with Print On Demand publishing.


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One More Week To Go
One more week to go. Yep, the Phillies will fly north a week from today and play the Pirates in the On-Deck Series, March 29 and 30, at Citizens Bank Park.
So, with one more week to go, we know this: the starting rotation is set and Ryan will play first and bat fourth. Oh, J-Roll, Shane, Polly, Raul and Carlos will be in the lineup at their same positions. Where they will bat is a different story.
The absence of Chase changes a lot of things, primarily the batting order. Right field, 11 or 12 pitchers, how many back-up infielders and the batting order are questions that need to be answered before the April 1 season opener.
As of today, the Phillies have 38 players in camp, including non-roster invitees (including Luis Castillo). The breakdown: 16 pitchers, 5 catchers, 11 infielders and 6 outfielders. Opening day roster limit is 25.
Sunday was yet another record attendance day at Bright House Field. It marked the fourth straight home game that a new mark was established. With the Red Sox today, it might well be five in a row . . . Broadcaster Scott Franzke has signed a five-year contract which is great news for fans who enjoy the radio broadcasts . . . Chris Coste will be a pre and post-game commentator 9-10 times a month on Comcast SportsNet. Tommy John surgery kept him from playing all of 2010 and may have ended his career . . . Lakewood's 2010 South Atlantic League champions received their rings pre-game on Sunday; Gulf Coast League champion Phillies get theirs today . . . Phillies are on the road Tuesday (Dunedin) and Wednesday (Port Charlotte). Phillies AAA and AA squads will be at Carpenter Complex each afternoon at 1.
Alumni Memories
Opening day is right around the corner. Phillies Alumni were asked for their fondest opening day memory, minor leagues or majors.
Del Unser, (OF, 1973-74; 1979-82; CH, 1985-88)
"Playing with the Washington Senators, all the Presidential openers in Washington D.C. in the late 60's. Also, getting our 1980 World Series rings in the 1981 home opener."
They Said It
"Bob Gibson is the luckiest pitcher I ever saw. He always pitches when the other team doesn't score any runs," Tim McCarver.


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|Get the whole picture first
I took this picture in Phoenix, in late August, in the middle of the afternoon, near the hottest part of the day. He's executing a perfect one-handed stop / signal right / put the foot down. I can't tell which way he has his brakes set up, if that's the front or back that he's activating, and there's a few other details that might be considered worthy of comment, but I really just want to point out that he's barefoot.
He looked calm and relaxed about it, but I immediately recalled the news stories about people burning their feet on the streets in Phoenix in the summer (for example, this one). I have no concerns about this man's feet though. This was at a stoplight, and we waited together for it to turn green for a long time, with no sound or odor of sizzling flesh evident. This was next to Roadrunner Park, and I was thinking that he must have soles like a roadrunner, to be able to stay cool and recumbent on that asphalt.
I find this photograph very inspiring in several ways. The more I look at it and think about it, the more I feel like this may be my favorite cycling photo so far. And not because it's humorous. I'm not insensitive to the potential for laughing casually at some of the details, but the more I look at it, and try to look a little deeper, the more that I think I aspire, in my own way, to be like him. Not to ride barefoot in Phoenix in the summer, but rather to achieve a level of comfort, of familiarity, of confident harmony with my surroundings that would allow me to do things like that. That's flow, baby. It also demonstrates a high degree of enduring toughness. Hell, that's as tough as plywood wings glued up by J.E. Gordon himself. Have a great weekend. Get up. Go ride.


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Bill Belichick's decision to go for it on fourth down from his own 28-yard-line in the fourth quarter of Sunday night's 35-34 loss to the Colts has been roundly used as evidence that the Hooded Genius may be slipping. That couldn't be further from the truth.
Sure, it was an aggressive move, maybe even an arrogant one. But those calling him an idiot on Monday have hailed the same kind of aggressive arrogance as brilliant and gutsy in the past. They'd be doing the same thing if the play worked out, and it's doubtful that any of them would be couching those compliments with any mention of the fact that Belichick made a stupid choice and just got lucky.
With Peyton Manning on the other sideline and a once 17-point lead whittled down to six, it's not surprising nor damning that Belichick decided his best chance to win was gaining two yards. What all the talking heads and ranting fans are missing out on is that the decision to go for the first down was the least problematic thing about the way Belichick coached in the final minutes of the loss.
U.S. & World
Let's start with the play call. Belichick opted for a short pass to Kevin Faulk and the normally reliable veteran running back bobbled the ball on his way down which meant that he couldn't be given credit for forward progress that looked a lot like a first down. It wasn't an awful call, but if the idea was to go out and win the game, you have to ask why Belichick wouldn't put the game into the hands of his best player.
That would be Randy Moss, who the Colts weren't able to cover at any point on Sunday night. Belichick never forced the Colts to stop him on any of the four plays the Patriots ran in that series, a decision far more detestable than trying to gain two yards on fourth down. The idea that you'd rather have Tom Brady than Manning deciding your fate is a sound one, but you can't say the same about Faulk over Moss.
Returning to the actual play, as you can see in this video on NFL.com, the spot of the Faulk play could have been argued via a replay challenge. Problem is, the Patriots couldn't challenge because they were out of timeouts. The Pats burned one early in the third quarter, used one before running a play on their final drive and lost the third one as Belichick and company discussed how to handle fourth down.
That meant no challenge and it also put the Pats at a major disadvantage once the Colts had the ball. It's defensible to argue that Manning was going to score no matter where you gave him the ball, but it's hard to accept that Belichick gave his team so little chance to fight back once he did.
Josh Alper is a writer living in New York City and is a contributor to FanHouse.com and ProFootballTalk.com in addition to his duties for NBCNewYork.com.


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She also thinks that the "simplify" sign needs to come down ASAP. Ironic much? ack!
A Kitchen Re-Style: Part 1
She also thinks that the "simplify" sign needs to come down ASAP. Ironic much? ack!
74 comments:
You're personality makes me laugh almost every time I read your blog!!ReplyDelete
Lookin forward to seeing it finished. I'm sure you are more tham I am!! ;)
Love it! If we dont take that first leap, goals may never be accomplished. Only slightly backsplash jealous :) - AngieReplyDeleteReplies
I love that quote! It's so true :)Delete
That is so funny! I wish my guy had a bit of your guy in him. My guy is usually just afraid of change and I have to work real hard at letting him see that the change will be for the better, AND that there won't be too much work for him in it.ReplyDelete
Can't wait for the second installment. It is going to get worse first? Right? Or are you two really miracle workers and skip to the 'things are looking better' part immediately. Ah well I'll have to wait and see.
we were just out looking at countertops yesterday-thanks for the reminder of the mess it will be :) not looking forward to that but def to the end result! well, that is, if I can ever make up my mind!ReplyDelete
How exciting - I LOVE the new granite/backsplash combo!ReplyDelete
- AnonymousSeptember 26, 2012 at 5:44 AM
Can't wait to see the end result! I'm sure it will be beautiful!ReplyDelete
We had our marble installed ON Thanksgiving morning last year... with a houseful of family.ReplyDeleteReplies
I LOVE marble! It was out of our budget... boo!Delete
And ON Thanksgiving morning!?!? You should get an award or something. HAHA!
omg it is going to be awesome - can't wait to see the finished result!ReplyDelete
oh I love it...riding the bus right along with you, can't wait to see what our next stop is!ReplyDelete
haha wow that backsplash definitely snowballed! Cant wait to see what you guys have come up with!ReplyDelete
You are too funny, and yes, that simplify sign needs to come down ASAP. And maybe check yourself into a psych ward while you are at it. Redoing a kitchen 3 months before Christmas? Ack!ReplyDelete
- Tammy R from CaSeptember 26, 2012 at 7:20 AM
Oh you are such a tease!!!!! I was reading then bamm.... No pics!!!! :)ReplyDeleteReplies
Gah! sorry! I'm giving you what I have as I have it... promise! :)Delete
I have another post almost done with another update. It includes our farmhouse sink. yay!
I'm trying to get better at updates :)
I love it!!! I would do the same,except my hubby isn't on board. He thinks our same ole boring kitchen is just fine! Maybe this winter I'll get the itch and just start tearing things out and then he'll have to be on board! Good luck! Can't wait to see the new kitchen!ReplyDelete
Wow! I wish my husband and I were gutsy and energetic enough to do what you are doing. We both would love to have our kitchen redone as it really needs it, but we won't be tackling it ourselves. And since we can't afford to pay for the work right now it will wait. I love the granite and tile choices you showed! Can't wait to see the rest of it. Good luck!ReplyDelete
I like! Thanks for sharing! Because we redid our kitchen 2 (or 3?) years ago and well, the countertop, lack of backsplash, sink, wall color, and light fixtures are allowing it from being perfection. So your blog post is giving me the courage to approach the husband to start slowly tackling these things. I mean, if we live there and spend time in there, it should be perfect, right? Right. Especially the kitchen.ReplyDelete
Love your granite and tile choice! Can't wait to see the rest..especially your new sink!ReplyDelete
Oh wow! That's going to look great!!! Are you planning on keeping the cabinets the same color?ReplyDelete
- AnonymousSeptember 26, 2012 at 9:00 AM
I love your choices and I do the same thing as your husband. diving in and then realizing it's a lot bigger of a job than I planned. I'm moving into my first house and I'm super pumped to start renovating and decorating. I love looking at your blog for inspiration. I can't wait to see how it turns out :)ReplyDelete
i love these choices! are you able to keep the old granite in ok shape to donate it or something, or did you have to chop it all up to remove it?ReplyDelete
so i'm not sure if you're going to repaint your cabinets, but you could you PLEASE install all this stuff and then paint your cabinets? this is purely for selfish reasons-i have and am keeping dark cabinets in my kitchen, but your backsplash and counters are totally what i want. i would love to see this look instead of imagining it...but i fear you are going to go white cabinets like everybody else and i will still be stuck with not very many inspiration photos!Replies
We're going to paint the cabinets, because I've always wanted white, but I sent you some pictures of the original cabinet color with a (not so great) pic of the lighter granite :)Delete
The grey is going to be beautiful. Question please say you donated the old countertop,etc.? I can't wait to see the final product!ReplyDelete
Oh, and could you send your husband up here to Washington for awhile? He would be a good influence on my husband ;)
What did you do with your old granite?ReplyDelete
Congrats on the new countertops...now I know I'm not the only crazy one out there wanting to replace perfectly good granite! I love the colors in your kitchen rug. Where did it come from?ReplyDelete
When things get tough, you can always tell your husband, you started it!! Can't wait to see the end result!ReplyDelete
If you're done with your kitchen rug can I pretty pretty please have it?! :)ReplyDeleteReplies
haha! I'm not sure what I'm going to do with that cute rug now. hmmm. :)Delete
well just write my name down and let me know if you're getting rid of it :) lol I think I have an addiction to it honestly I pinned your kitchen re-do and every time I see it I just oooo and awww over it and wish I had it because it would be PERFECT in my kitchen! :) Still looking for something to compare but so far its just bare wood floor...Delete
- JessaJOOctober 4, 2012 at 1:17 PM
You could have a contest to win your kitchen rug... I'm in! :)Delete
- KimberlySeptember 26, 2012 at 11:19 AM
I wondered when we'd be seeing a kitchen reno, as (to me, anyways) that room didn't seem to "fit" with the rest of the style of your home - LOL at how it began though, that's fabulous! I think you both found 'your style' and it's different than what it was - or what you thought it was - years ago. Tuscan is beautiful but light and airy is energizing. I've been following your blog for a while and I really enjoy how much effort and personality you inject, not to mention all the inspiring DIY! Thanks so much and I look forward to seeing the new kitchen - just in time for the holidays!ReplyDelete
You two are so cute and so resourceful.ReplyDelete
I love the new granite counter top and back splash.
We gutted our kitchen eight years ago, so I know how unraveled things become until all is done.
"Nothing great is ever achieved without much enduring;" a quote used many times from my sorority years at college.
I can't WAIT to see all the changes!!! I LOVE your style and know it will make me even more jealous of your home!!ReplyDeleteReplies
haha!I hope everyone likes it! It's nerve wracking thinking that so many people will see it! eeek!Delete
Excited to see the big ta-da! Though your husband makes me nervous working in his bare feet. hehe!ReplyDeleteReplies
Oh gosh, bare feet and basketball shorts... story of his whole life. ha! But hey, whatever he wants to work in is fine with me, as long as he's working ;)Delete
I always love your posts- you are very funny with your writing! I am excited to see your finished result. I put Giallo Ornamental in our kitchen and I love LOVE it- it is a gorgeous granite.ReplyDelete
You guys are hilarious!! I can't wait to see more!!ReplyDeleteReplies
Me too! I'm going to try to keep everyone updated as we move along :)Delete
Love your blog! I was just wondering if I could borrow your Hubby and Handy-Dad for some projects in my home! My wonderful Hubby is not so handy and I have a lot of DIY project ideas! LOLReplyDelete
Awesome!! I love the demo now, think later mode!! I struggle over home renovation stuff. I spent more time picking out my floor than I did picking out a husband. I'm glad I was impetuous 38 years ago, or else I'd have missed a great guy, 3 kids and 2 grandkids!ReplyDelete
gah! not a sequel.... just leave us hanging will yaReplyDelete
It will be so pretty. I have a thing with gray. I can't get enough. Random question but where did you get your chevron ceramic holder for all your whisks and wooden spoons? I love it!ReplyDelete
Can't wait to see the finished product. I am sure it will be totally fab! Keep up the good work.ReplyDelete
Crazy? Maybe, but like you said re-decorating is your thing. Maybe sometimes a little more extreme, but I love what you guys do and that no project is ever to big!!ReplyDelete
Your a great inspiration & motivator because where getting ready to do our kitchen in the 4-6 months. I'll watch and learn from any mistakes that you two might make, but I doubt it, you make a great team! Can't wait to see the next chapter in the kitchen remodel.
I'm crossing my fingers that one day my awesome husband comes home and says, " I think it's time we had an awesome tile backsplash!" lolReplyDelete
Love it! Our kitchen reno took a couple years (in my husband's spare time) and I finally have the kitchen of my dreams, I tease him that I'm the designer and he's the contractor... but it's perfect for us!ReplyDelete
Best of luck! Have fun!
I am glad to see pics after all your hints on FB.ReplyDelete
I just found your site from a pin on pinterest and am completely in love with your design style. And I have to ask, where did you get your two shelves that you have in your dining area? I have been looking for some a similar area in my home and those would be perfect!ReplyDelete
Thanks for the great ideas for decor, especially for the holidays!
You and your hubby are too cute for words! You make DIY look fun! I can't wait to see more of the kitchen! Thanks for sharing.ReplyDelete
I am so excited to see the progress! My husband hates home reno so I am stuck with what I have until I NAG him and he has enough of it and finally gives in!! I have so many projects I want to work on! So I am one of the jealous ones lolReplyDelete
Wow how I would love to have granite. Can't imagine changing out one for another, however! Can you send the old one my way ;) Love your style. Can't wait to see the finished project.ReplyDelete
- AnonymousSeptember 27, 2012 at 9:38 AM
Were you able to resell your old granite? I know you could get cash for it on craigslist--then maybe you could afford your marble backsplash?ReplyDelete
haha.... you guys are so cute and funny!!! I was wondering too if you were going to paint your cabinets. (saw above that you are) Your cabinets are beautiful, and not the orangey-oak color that are in a lot of homes. But, you guys look more like the "white cabinet" kind of people. ;)ReplyDelete
Can't wait for another update. =)
Your kitchen story rings so true to me. I love going to the Parade of Homes, but after going this year and seeing some design elements that I love and can't get out of my head... I feel like even though there is nothing actually wrong with my kitchen, it is just not exactly my style. Now convincing the hubby is a whole 'nother story. lol I love the new granite and backspash you picked and can't wait to see how everything looks all put back together!ReplyDelete
-Marissa @ GarrDen of Love
- AnonymousSeptember 28, 2012 at 7:56 AM
You are too funny =) So excited to see everything come together. I have been dying to try Rustoleum Transformations on my kitchen cabinets, but have been too scared to start! I would LOVE a white kitchen so maybe I need to follow your lead and just jump in.ReplyDelete
I think I just found a kindred spirit... love your style and your zest for starting a project that takes on a life of it's own!!!! Wonderful blog!!!ReplyDelete
You crack me up. Thanks for being crazy so we can follow your blog about all the craziness. Haha!ReplyDelete
what are you doign with the old granite?? Excited to see the final product!! we painted our cabinets cherry wood brown when we moved and the next house will definitely have white!ReplyDelete
Love the new choices! Your kitchen will be so much brighter! Are you getting new cabinets too?ReplyDelete
How fun ; ) Kitchen redos frighten me, actually, my husband during kitchen redo would frighten me. He doesn't like to be displaced too long.ReplyDelete
I was wondering if you have any posts of your master bath redo. I remember you were doing some planking and countertop stuff but not sure if I missed some final posts on that. Could you help me out?
How fun!ReplyDelete
I was wondering if you have any posts of your master bath project. I remember way back that you were doing some planking and some countertop stuff but don't remember seeing a final post on it. Maybe I missed it. Could you help me out?
You are too funny. I also have a hard time balancing the "It's really fine the way it is" vs. the "I totally want a different look" conundrum. I'm jealous of your apron front sink, I have been wanting one for years. Best of luck! I can't wait to see how this turns out.ReplyDelete
Looks promising! I just know that my husband wouldn't have been that patient ;-)ReplyDelete
I am sure that it is going to be an amazing re-do project that you will look back on and always smile about.ReplyDelete
Such a fun post! And how exciting...new counters and backsplash will completely change the entire kitchen! Looks like your granite choice is what we used (and I can't for the life of me think of it's name right now, hello early)...if you're interested in seeing it with dark cabinets, check it out in my home tour page. :)ReplyDelete
Can't wait to see yours come together!
- AnonymousOctober 5, 2012 at 11:35 PM
Have you chosen a wall color yet? We recently got granite countertops (Light grey) and white/grey subway tile backsplash. Our cabinets are white -- we painted them a few years ago and I love them. Now here we are, four months later, and I can't decide on what color to paint the walls. But I LOVE my new countertops and backsplash! I've never had granite before. But the main reason for this rambling post is to tell you that I feel SO validated seeing your countertops and backsplash! The company we worked with tried to sell me a tuscany-style backsplash with my granite. Boo! Glad I stuck to my instincts. Wish I could decide on what to do with my walls now!ReplyDelete
Thanks for all your fabulous ideas and tutorials!
carolyn in nebraska
My personal style would be to paint the cabinets white with the gray granite and back splash. But you will get more contrast with the dak cabinets. I hope we get to see it soon! I know it will look beautiful no matter what you choose. You have great taste!!!!ReplyDelete
I love the kitchen door below the "Simplify" sign, how did you paint it?ReplyDelete
I love the kitchen door. What paint technique did you use for it?ReplyDelete
I SOOOO want an update to this post! How the progress moving along? Our house is so new, i'd hate to tear anything out (just give me time....!!), but i LOVE the gray granite/tile you've chosen.ReplyDelete
I SOOO want an update to this post!! How's the progress on the kitchen?? Our house is so new, I'd hate to tear anything out (just give me time, I'm already itching to paint the cabinets!) -- but I LOVE the gray granite and tile choice!ReplyDelete
So, I LOVE your green and blue geometric rugs in the picture of your old kitchen. Where did you find it?? Please don't tell me you've had it for years or something!!ReplyDelete
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Slush fun
These smoothies will really cool you down on a hot day.
Combine the following ingredients in a 6-cup blender:
Ice cubes to the 3-cup mark
6 ounces frozen orange juice concentrate
2 rounded tablespoons sugar or Splenda
2 cups milk
1 teaspoon vanilla
1 banana (if desired)
1/2 teaspoon coconut extract (if desired)
Enough regular orange juice (not concentrate) to fill the blender to the top mark.
Put on the lid and blend on high speed until the slush is smooth. Serve immediately in glasses with straws. Enjoy with a clear conscience -- orange juice, milk and water are good for you, and the banana is good for you too, if you added it.


text:
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Dog food reviews
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2 Star Dry Dog Food
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Royal Canin Mini Poodle 30
Date of last review
Thu January 3, 2008
Recommended By
Average Price
Average Rating
No recommendations
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None indicated
Feeding guideline:
A 15lb dog should be fed 1 1/4 - 1 3/4 cups
Calorie Content
This product contains 4094 kilocalories/kilogram or 359 kilocalories per cup ME (metabolizable energy) on an as fed basis (calculated).
Chicken meal, corn gluten meal, chicken fat, oatmeal, barley, brown rice, chicken, natural chicken flavor, cellulose, dried beet pulp (sugar removed), soy isolate, dried brewers yeast, anchovy oil, potassium chloride, calcium sulfate, soya oil, fructo-oligosaccharides, DL-methionine, choline chloride, salt, borage oil, sodium tripolyphosphate, taurine*, Vitamins [DL-alpha tocopherol (source of vitamin E), inositol, niacin supplement, L-ascorbyl-2- polyphosphate (source of vitamin C*), d-calcium pantothenate, biotin, pyridoxine hydrochloride (vitamin B6), riboflavin supplement (vitamin B2), thiamine mononitrate (vitamin B1), vitamin A acetate, folic acid, vitamin B12 supplement, vitamin D3 supplement], L-lysine, L-cystine, Trace Minerals [zinc proteinate, zinc oxide, ferrous sulfate, manganese proteinate, copper proteinate, copper sulfate, manganous oxide, sodium selenite, calcium iodate], glucosamine hydrochloride, L-Carnitine, tea (green tea extract), chondroitin sulfate, marigold extract (Calendula officinalis L.), preserved with natural mixed tocopherols, rosemary extract, and citric acid.
Guaranteed Analysis
Crude Protein Minimum 30.0%
Crude Fat Minimum 20.0%
Crude Fiber Maximum 5.9%
Moisture Maximum 10.0%
Lutein* Minimum 5 mg/kg
Zeaxanthine* Minimum 5 mg/kg
Omega 6 Essential Fatty Acids* Minimum 4.5%
Omega 3 Essential Fatty Acids* Minimum 0.6%
*Not recognized as an essential nutrient by the AAFCO Dog Food Nutrient Profile
Nutritional Statement:
Canine Health Nutrition MINI Poodle 30 Formula for Miniature & Toy Poodles over 10 months of age is formulated to meet the nutritional levels established by the Association of American Feed Control Officials (AAFCO) Dog Food Nutrient Profiles for maintenance.
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Registered: October 2005
Posts: 3953
Review Date:
Thu January 3, 2008
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First ingredient is a named meat product
Insufficient meat content, low quality grains, controversial filler
The first ingredient in the food is a named meat product, in meal form. It is the sole significant meat product in the food, and our confidence that this product contains a decent amount of meat is low. There is a further meat product 7th on the ingredient list, but this is not only a minor ingredient but is inclusive of water content (about 80%). Once that is removed, as it must be to create a dehydrated product, the ingredient will weigh around 20% of its wet weight. Ingredients are listed in order of weight, and the dehydrated ingredient would probably be more accurately placed much further down the ingredient list. It is highly unlikely that this ingredient makes any significant contribution to the overall meat content of the food. Soy isolate boosts the protein content of the food, but this is a low quality source of protein and also a very common cause of food allergies.
The main grain in the food is corn. Corn is a difficult to digest grain that is commonly associated with allergy problems. Corn Gluten Meal is the dried residue from corn after the removal of the larger part of the starch and germ, and the separation of the bran by the process employed in the wet milling manufacture of corn starch or syrup, or by enzymatic treatment of the endosperm. In plain English, that bit of the corn leftover after most of the nutritious bits have been removed. Chicken fat is the third ingredient. We note that research at Purdue university has identified fat in the top four ingredients of dry food as a factor increasing the risk of bloat in large breed dogs. Smaller breeds are untested.
Barley and brown rice are decent quality grains, but cellulose is purified, mechanically disintegrated cellulose prepared by processing alpha cellulose obtained as a pulp from fibrous plant materials: otherwise known as sawdust.
Beet pulp is controversial filler which appears to be used in large quantities in this food. It is a by-product, being dried residue from sugar beets which has been cleaned and extracted in the process of manufacturing sugar. It is a controversial ingredient in dog food, claimed by some manufacturers to be a good source of fibre, and derided by others as an ingredient added to slow down the transition of rancid animal fats and causing stress to kidney and liver in the process. We note that beet pulp is an ingredient that commonly causes problems for dogs, including allergies and ear infections, and prefer not to see it used in dog food. There are less controversial products around if additional fibre is required.
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See images from Himawari-8 in the new satellite viewer
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16:30 AEST on Thursday 9 April 2020 | Cloud/surface composite, Australia
Images from Japan Meteorological Agency satellite Himawari 8 via Bureau of Meteorology.
IDY28000 Australian Government Bureau of Meteorology Bureau National Operations Centre Satellite Notes for the 1800UTC Chart Issued at 5:48 am EST Friday on 10 April 2020 Cloud with embedded thunderstorms over the northern parts of the country and across QLD and NSW is associated with a surface and an upper level trough. Thunderstorm activity is also visible near the Kimberley in the vicinity of another surface trough. A cloud band associated with a cold front is approaching southwest corner of WA.


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