text:
Expert Weighs In On Credit Cards
Joan Goldwasser, reporter for Kiplinger Personal Finance, discusses credit cards. She answers listeners' questions about credit card debt and interest rates.
MICHELE NORRIS, host:
From NPR News, this is ALL THINGS CONSIDERED. I'm Michele Norris.
ROBERT SIEGEL, host:
And I'm Robert Siegel.
It's no secret times are tough for many Americans. And for the 80 million or so who have credit cards, they're also getting complicated. Credit card companies have been hiking interest rates and tacking on fees, sometimes without warning or explanation.
NORRIS: Last week, President Obama met with the heads of the major credit card issuers and threw his support behind congressional reform efforts. The Federal Reserve has already issued tighter credit card regulations, but those don't go into effect until July 2010. Until then, it's just you and all that fine print in your credit card statements. So we've spent the last week asking for your credit card questions.
And as promised, we've brought in Joan Goldwasser to help answer them. She covers the credit card industry for Kiplinger Personal Finance.
Welcome back to the program.
Ms. JOAN GOLDWASSER (Reporter, Kiplinger Personal Finance): Thank you. It's good to be here.
SIEGEL: And here's the first question from a listener. It's a recorded message. Here it goes.
Mr. SCOTT BUNTZ (ph): My name is Scott Buntz from Chatham, Michigan. Recently, my credit card interest rate was doubled, even though I had not been delinquent on any payments and have always paid more than the minimum. The credit card company has given me the opportunity to opt out of the interest rate increase, which keeps my credit card account active, but does not allow me to use the credit card anymore. My question is: Is it better to take this option or to cancel the account altogether?
Ms. GOLDWASSER: Generally speaking, I'd say it's better to take that option and stop using the card. That, of course, assumes that you have another card that you can use for any purchases you want to make. You don't want to cancel the card because that will affect your credit risk. And one of the important components of it is how much you owe, that makes up about 30 percent of your score, and part of that depends on how much of your available credit you're using.
If you cancel your card, you're eliminating that line of available credit, and therefore you'll be using a larger amount of your total credit.
NORRIS: And just to follow up there, Joan. This listener, Scott Buntz, said that he's never been delinquent and he's always paid more than the minimum. So, why would the credit card company make this adjustment?
Ms. GOLDWASSER: It's hard to know for a specific individual, but it could be because he is having trouble in some other area of his life. You know, credit card companies will look at your payment record on everything, whether it's your home mortgage, your insurance, your, you know, utility bill, whatever. If you happen to be delinquent on one of those, that's a red flag. They also are looking at people who live in your neighborhood. If you happen to be in an area where there are a lot of foreclosures, that's a red flag.
SIEGEL: Here's a question from Lonnie Trotter (ph), a listener in Corpus Christi, Texas, who says, some credit cards are reducing our credit lines. Does this hurt our credit score? Does it?
Ms. GOLDWASSER: It can. A credit score is basically snapshot in time. The companies look at your whole record on a particular day and it records, you know, how much you've spent as of that moment and how much available credit you have.
So if your credit limit is reduced, you are spending a higher percentage of your total available credit. And that is a bad thing. You never want to spend more than 50 percent, and it's better to keep that utilization ratio at 30 percent.
SIEGEL: So if you had a $10,000 credit limit and you're carrying a balance of $3,000, 30 percent, your credit score looks pretty good?
Ms. GOLDWASSER: Yes.
SIEGEL: But if the company then drops the limit down to $5,000, now you're borrowing at 60 percent of your credit limit.
Ms. GOLDWASSER: Right. And you look much riskier even though you haven't actually spent any more money.
NORRIS: Well, from Texas to New York, we have another question from a listener. Let's listen to this one on tape.
Ms. JOANNA JUVIESKI (ph): Hi, I'm Joanna Juvieski from Kenmore, New York. Last month, AT&T Universal card charged me a 3 percent surcharge on an airline ticket purchased from Air Canada. And I called them to question it. And they told me that all credit cards were now charging 3 percent for foreign transactions. And I'd like to know if this is really true.
Ms. GOLDWASSER: Unfortunately, it is true. Credit card companies have almost universally charged 3 percent on transactions that were made outside the United States in another currency. They've recently changed their policy so that any transaction made in another country, even if it's made in dollars, also incurs that same charge.
Capital One is actually the only major credit card company that doesn't have a surcharge, and most of the credit unions only charge a 1 percent fee.
NORRIS: Martina Bailey (ph) listens to the program in New York City, and she has this question. She wants to know which provision, if any, in the contracts empowers the credit card companies to change the terms retroactively. Can you walk us through this?
Ms. GOLDWASSER: Basically, credit card companies can do whatever they want. They have to give you 15 days' notice when they change your interest rate, whatever term, you know, the penalty fees, whatever it is. And right now, that's the only restriction on what they can do. This has been true for, you know, 40-some years. The only effect that - the one restriction, this 15-day notice was put on in 1971 and there haven't been any changes since then.
NORRIS: When they do change the rate on your credit limit - this is something that Robert and I have been talking about in the studio.
SIEGEL: Mm-hmm.
NORRIS: When you get that credit card statement and it has all that fine print, what should you be looking for? Where will it state that they're planning to change your rate, or change your credit limit, or raise the late fee?
Ms. GOLDWASSER: Usually, it's in all of that fine print that, you know, is attached to the back of the statement. Sometimes there'll be a box at the bottom, which will tell you what the interest rate is and your credit limit. And you should look at all of those boxes. And unfortunately, you should also look at the fine print.
SIEGEL: We have time for one more listener question. This is from Tim Holzford (ph) of Columbia, Missouri, who passes on this piece of information. He says - this is the case. He says, call your cardholder. The rate hike that you received was probably generated by a computer algorithm. If you've been a good customer, a credit manager will likely adjust your rate. Is that true?
First of all, are most rate changes done by computer? And can you actually get a human being to reconsider?
Ms. GOLDWASSER: You can get a human being and it's always worth trying. To a company, they will say, you know, call us. We will work with you. If you're having trouble making your payments, we will, you know, there are things that we can do: lower the monthly interest rate, you know, cut the minimum payment, forgive some of the balance. I mean, there are steps that they can take, and it's always worth calling first. That's great advice.
NORRIS: Well, Joan, change is on the horizon. As we noted, the Federal Reserve will roll out new regulations in 2010. Can you very quickly tell us what will change then?
Ms. GOLDWASSER: You will receive more notice to pay your bill. The bill should arrive sooner, and they will give you more time to pay it. When you open your account, you will be told what your interest rate is - should be explained more clearly. You will know whether it's a rate that is fixed, whether it's dependent on some kind of index. And that rate cannot change for a year unless it is dependent on an index, such as the prime rate, and that index changes. You will have to get 45 days notice if your credit card company is raising your rate or changing your terms.
And then one of the most important things, if you have a card that has several different interest rates, perhaps you got a low-rate balance transfer offer, and you have a higher rate purchase interest rate. Right now, when you make a payment, the payment is applied to the lowest rate. The new regulation say that it either has to be applied to the higher rate, or it will have to be distributed equally between, you know, whatever rates you have on your card.
NORRIS: All that will happen in 2010 automatically.
Ms. GOLDWASSER: All that happens. And the statements will have a clearer format. They should be easier to read and easier to understand.
SIEGEL: Joan, thank you for answering our questions and, of course, our listeners' questions.
Ms. GOLDWASSER: I was happy to do so.
SIEGEL: That's Joan Goldwasser, who covers the credit card industry for Kiplinger Personal Finance. And thanks to all of you for writing.
Copyright © 2009 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.
NPR transcripts are created on a rush deadline by Verb8tm, Inc., an NPR contractor, and produced using a proprietary transcription process developed with NPR. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR's programming is the audio record.


text:
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text:
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I'm fortunate to play with the musicians that I do, to be able to place a phone call and ask great players if they would like to make music. I'm happy when friends show up to listen, as they often do, and I'm happy when those friends want to take pictures of the group. I don't post many live recordings so photos become a document of the music.Read More
In a show of solidarity with the #nodapl protestors, composer BC Campbell has released his soundtrack to the documentary Water is Life - Tó éí 'iiná até ahead of the movie's completion. I was very pleased that BC asked me to record percussion on a few of his compositions and am thrilled that the soundtrack is now available for purchase.Read More
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The new Space EP will be released mid-late September. In preparation for its release. . .Read More
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Letter(s) from Tatyana Filimonova to Michael (England)
Letter 1
Hi Michael!
I am happy to receive your reciprocal message.
Thanks for your picture, it to like me. I shall increase and unpack it.
Michael, I was very glad to receive yours e-mail because it speaks me, what I too was interesting to you Michael.
You it is valid Michael, see a picture me nice? - Ok, in the following message I shall send you
Other picture me.
Michael, I have to you many questions I shall ask them in the messages I hope you will give
To me sincere answers-Ok?
You read my structure and could see there, that I have serious intentions
To get acquainted with the good person for attitudes.
I think, that should inform at once to you some things concerning my character. It is pleasant to me
Romantic attitudes between the man and the woman, probably all
Women dream to get acquainted with the good person, to have with them
Fine evening. But often such things come to an end after a while. I have intention not
To spend itself for such acquaintances. I have desire to find in a life of the good person and to have with it stable
Attitudes, probably family. Also I think, that the love is necessary for this purpose. While I have not met in the life
Such person to whom I would decide to give myself and the life. Write please Michael, what ideas you
Have about these things? You tell me what woman dream
To meet in the life? Excuse Michael, that I ask you to discuss such frank thing with the person,
Which you know couple of days. But me it is important for knowing to continue our acquaintance.
I shall wait for yours e-mail.
Yours faithfully Tanya.
Letter 2
Hi Michael. I am glad to receive again your message, every day we
We start to learn each other better and for me it is an interesting thing,
Yours e-mail. Last time on a shower is available for me boredom, not
Occurs any joyful things and your message now for me
As a solar beam.
Yes I liked your pictures and your poem! I have been very surprised to
see such fine letter. Thanks you huge!
Michael, thanks, that you wrote to me some answers to my questions.
Yours e-mail what you the person gradually helps me to understand.
Michael I send you other picture of. I hope, that it will be
To like you. Tell to me more in detail about the family. Whether it is a lot of at
You relatives? What at you with them attitudes? As it is frequent you
Gather? In my family very much close relations. I to you already
Informed, that I live with mum and the daddy. We live in a cosy apartment, where
There are three inhabited rooms, and as kitchen, a balcony and a bath a room.
I have a room. I the only child at the parents.
The name of mine of daddy Vladimir, to it 58 year and it works as the builder. Mine
Mum is called Olga, to it with 55 years. Now it does not work some years and
Is engaged in housekeeping. We love each other, sometimes
We get out for city for an entertainment. It is a beach, fishing in the summer. In the winter
Skates, skis. This good time for me! In private life at me
Emptiness. Last attitudes at me were in the past to year. There was one
The boy the friend, but I have left it. It at all did not approach me.
Among associates me people I cannot allocate anybody for serious
Attitudes. Good men to become it is ever less and annoyingly in
Next time to test disappointment when you think that has met
The suitable person. Likely therefore I also have addressed in service
Acquaintances. Here I can probably find the person who will be
Me to love, appreciate and understand. Whether for me will be important rich
He/she is the person and what work has. I wish to tell to you that I search more
Advanced age because I think, that the person which has lived
There is enough years, already has experience and has learned to appreciate women and to address
With them. I shall be ready to give myself all without the rest to such person and
I consider, that the main advantage of the woman is fidelity and skill
To make family happy, without quarrels and conflicts. On it I
I finish the letter. Michael, write to me the ideas that I
Has told to you. I wait for your messages. Yours Tanya.
Letter 3
Hello Michael. It is pleasant, that you have studied my some ideas in
The last the message. Michael, I usually do not speak about deep ideas and
Opinions, but to you have written, because felt desire to open it to
To you. I more compelled person, but am probable sometimes
It is necessary that there was one person who can that
To open and trust - it is sometimes frequent, happens, hardly reflects it is necessary
All these things. I happy which has found in you understanding me,
You see, that it happens is not present often.
Thanks Michael, that you have written to me some details about your life and
Family, I have close studied it. It has helped me more well to understand
You and your life, and you become closer person
Michael It has come time me to go, to make some kinds
Commercial activity, and it is necessary to meet friends. On that,
As I told by it which got acquainted with you, and parents also.
Have good day. I wait for your letters. Yours Tanya.
Letter 4
Dear Michael!
Thanks for this e-mail from you, your messages
Really please me. This week there is a new theme for
Reflections, and these new ideas excite me.
I do not know as you Michael But for me starts to have importance our exchange
e-mail. These are new emotions in my quiet heart.
For me it is not usual, to get acquainted with the man on e-mail, for many miles
From me and probably to have attitudes.
I did not inform you earlier Michael The address because it is not enough
Knew you. I live in average area of Russia, in the city of Volzhsk. To
To regret it is far from you, differently it was not necessary for us much e-mail,
To learn each other. We could meet, talk,
To spend some time together and it is quite good to learn each other. But
For us it will be not a fast way. But I hope, that it will not be
Problem for us if we shall decide to do it in the future. I already
Made some travel to other countries. I travelled,
As the tourist, to the Europe; it is Turkey, Italy, Germany. Therefore
Michael, You should not have excitements of that is available
Distance between us. I such woman, that if I shall love
The person for a meeting with it, I shall reach even on the moon. In
Our days is a problem to make such travel. I not
I worry about it and even I have the devoted feelings, having got acquainted with
The person on the other hand. For me it is very interesting feelings-
To learn the person with other culture, thinking, traditions. It
One of things - which draws me to you. Not the main thing,-
But new and interesting. Probably if our attitudes will be strong and
You? Michael, you can learn the mysterious Russian woman. I hope, that
For you it is interesting to learn and test love of such woman? I
I think, road Michael That you cannot long resist to mine
Female magic if happens so, that we shall be the person to
To the person. On it I finish my message to you Michael.
I wait for your messages. Yours Tanya.
Letter 5
Hi my dear!
I now read yours e-mail, and it was interesting to me to learn your opinion that I spoke you in my last message.
Our exchange of opinions is interesting to me and I think, that now I can make some opinion on what your character. If you
Not against somehow we could stir a little by phone. I would like to speak with you, to hear your voice.
Thanks, what you answered Michael, on my questions. I hope, that these questions not too tire you.
Michael, I send you a new picture. I hope, that this
The picture will like you. Michael, I too would wish to see more than your pictures.
Dear, I would like to learn, how you like to spend the free time. I very cheerful person also think out
Various entertainments for itself and the friends. To me to like to help them to do a life interesting. It can be different things:
Dances, cinema, parties or entertainments on the nature. But if to speak frankly in the last these entertainments give time
To me ever less than pleasure. I often dream of romantic evening with
the favourite person, it can be a supper or simply walk. I think, that
in it there is a lot of charm. You the romantic person Michael Whether you think, sometimes, of such things?
You like cosy evenings with the family? I very much love holidays when all family gathers, behind one table.
It very cosy and comfortably for me. And how you like to spend holidays dear? What for you does a cosiness and rest?
Tell to me please about it Michael.
Michael, excuse me for a question: whether there is for you now any woman? I think, that you are good, as the man and
To like many women. Because at me good taste, and you to like me. What your private life now,
Please tell about it. Probably you have to me any frank questions? I shall answer them.
Write to me more in detail about the feelings and desires, to me to like to read, when you tell about yourself, I am ready
To listen about it. I wait for your messages.
My embraces.
Yours Tanya.
Letter 6
hello my dear.
Why you to me do not write me?
I miss on you.
You any more do not want to correspond with me???
I hope for your prompt reply.
Letter 7
Hi my darling Michael! I am very glad to news from you. Michael, yesterday I
Could not send you the letter because I had no opportunity
To enter into the Internet. In our apartment phone and consequently is not established
My computer has no input in a network. Usually houses I write down the message
To you on a disk, and then I go with it to the friend to me to the girl, in pair
Houses from me that with its computer to enter into the Internet and to take away yours
Letters. But yesterday it was absent at home. I hope, what you ????? Not
Lost me. I missed without yours e-mail. Today on work I thought about
To you and, me it was pleasant to know, that there is a person, which
Which thinks of me, reads my ideas and writes something for me. And
How you Michael You these days missed on dialogue with me? Today we with
Friends we plan to have some entertainment. It will be possible club
Or a disco. It is a pity, that now there is no opportunity to invite you
There, because you it is far. I think, that we with you could
Perfectly to spend together evening. I hope, that we shall do still it
In the future also we can well have fun. I am assured, that it will be
Good time for us Michael! We shall drink easy wine, then
To dance, while our legs can maintain it. And after that we
Probably we shall reach somewhere else....., and where I shall do with
You some things. Ideas on it in advance raise me. Mine
Imagination very developed and I can represent for myself many
Details of our appointment. Probably, dear, it is time to me to finish
This letter, and I now shall write that a lot of superfluous and I shall have then
Confusion before you. I wait for yours e-mail, my darling. Embraces and mine
Kiss!!! Yours Tanya.
Letter 8
Hi my dear Michael! I am glad to speak again with you! You write to me, that
By the way, yesterday I had quite good evening with my friends. We reached
In one club also there were there some hours. First we had
The good supper and some glasses of a champagne, then played bowling
Also danced. Impressions have remained good, only when I saw,
As some my girlfriends danced and kissed the men
- I had small envy to them. I thought of you and represented for
Itself, what you beside Michael. That you too embrace me and whisper to me
On an ear gentle words. And you Michael, when see around enamoured pairs
People, - that recollect me? As it is frequent you with the friends
Reach in any bar or club? When you happen in these
Places girls often try to get acquainted with you? To me very much
Often men approach and try to begin acquaintance, but I at once
I help them to understand, that with me these things to not turn out. Michael, I
Often I think above your messages and I understand, that you it is serious
Concerning me. I too do not look at our dialogue as on an entertainment, and
I write to you some very personal words and things, as to the close person.
And I wish to tell to you Michael, that I am glad, that at me is such
The person - as you! I wait for your messages and I think of you. Mine to you gentle
Kisses! Yours Tanya.
Letter 9
Hi mine the darling! I hope, that at all of you OK! To me it was pleasant
To read through your message and thanks for your words. I send you another
Picture, probably to those pictures which you already saw, you
Got used. I hope, that this picture will give again to you good
Emotions. Today my work is finished earlier and I, having written to you it
The letter, I shall make a dinner for my family. My mum does not have
health it was unwell a little and today to me to prepare for it. By the way, dear,
What foodstuffs is favourite for you? That you prefer;
Sweets, meat, a fish? Inform me it Michael. I am able not bad
To consult on kitchen, my mum cared of it many years back.
You can be convinced of it, in due time. I easily do various
Salads, soups, and also game and a fish. In a greater degree I prefer
Fish, and also very much to like me fruit; bananas, pineapples and
Melon. Today houses I shall prepare for the Chinese hen and vegetable
Salad. Probably you Michael, love the tasty foodstuffs. At us
There is a proverb; " the way to heart of the man - passes through its stomach
! " I was many times convinced of it when observed of my father.
Therefore Michael, I shall reach to your heart by means of mine
Culinary abilities. It is a joke!!! Now I send on kitchen
. I hope, that my daddy will be happy. I wait for your messages! Mine
Kisses. Yours Tanya.
Letter 10
Hi my dear Michael! I am glad to speak again with you! Thanks for yours
e-mail. I am glad Michael, that in our attitudes there is a promotion and we
Became closer people. I tell about you mine much
To parents and friends. They hope, that will sometime get acquainted
With you Michael. They insist, that I would acquaint you with them,
My parents are especially persevering. I have told it, that is serious
I concern to you Michael, also that you the good person. You know Michael,
That parents always wish the children only good and are pleased,
When their children are happy in all. My daddy loves fishing and it now
Goes happy on an apartment and speaks, that now it has a person who can be invited for fishing. I long laughed and have told
To it, that at all I do not know, you like it to do or not. Also that it early
It is pleased, in fact it is possible to you not interestingly. Also know, that it
Answered? It has told, that in the summer it will prepare for you
Good fishing tackle also will learn you to cook present to an ear. And you Michael,
Told to the close people about me? What they have opinion?
Inform me please on it. You have any plans
Concerning our attitudes? I think, that for us will be very much
It is good, if we can spend some days together. It will be
To strengthen our attitudes and will help us to learn better each other.
Probably next month we can meet. For example in the Europe
Or other place. Understand me correctly Michael, I cannot yet
To invite you to itself. I live at the parents and for the present not
Enough I know you for this purpose. Between us there were only we
Messages and I think, that to us it is better, all over again to meet in other
Place. I very much would wish to be with you alone, to see you the
Eyes and a touch to you! Dear so we can make
Full opinion on us to learn about many things. Let's be
To discuss it Michael. I wait for your opinions, I miss also a kiss you. Yours
Letter 11
Hi my darling Michael! I am glad to see yours e-mail. It is pleasant to me to learn,
That you support idea to meet and also wish me to see and
To spend with me time. I think, that in our following messages
We can discuss in more detail our meeting and establish time
And a place for this purpose. I wish to tell to you dear, that it is very pleasant,
For the woman to be convinced that exist the man which waits
It also wishes to hold in the hands. Such idea influences opinions
Women and its behaviour. Therefore thanks you Michael, that you have given me
To feel it. And what you have ideas and imaginations about that day, when
You will meet me? Inform me please on it. Dear, at me
There is a plenty of ideas, how we can
To spend together our time. Also I shall prepare for you
Some surprises and I think, that you will be happy it. I shall be
To inform you Michael, about some ideas in following messages.
But you should know, that when you will be in my hands it is not fast
You can get out of my embraces. I now shall not write about those
Things by which I shall do with you, but you will long remember it
!!! Now I finish the letter. I shall wait for your messages.
My gentle kisses! Yours Tatyana.
PS. It is a magnificent poem! It has very much liked me. Thanks you very
Letter 12
Hi mine dear Michael! Have good day! I am glad, that my messages
Pleasant for you. How you feel yourself dear? I - ok. I a little
Raised, and yesterday I hardly fell asleep. I was grasped with an idea about
To our meeting. For me and I have this joyful event from it much
Emotions. Such as excitement both the big impatience and expectation of this day.
You have brought the whole sea of emotions during my life Michael, and me it is difficult with
It to consult, but I can tell, that it pleasantly and gave me
New push and the purpose for a life. I think, the darling, that is necessary for us
To arrange our meeting so that there were no difficulties and
Inconveniences in our affairs. I can arrange on my work, that
To have some days free for me. Michael, and your work will be
To allow you to do it? Probably you have the intense schedule with
The work also you should be absent. Then we can meet
More close from you or even I could arrive to you on some
Days. For me there is no problem to make longer travel.
If such way more convenient for you and my arrival to not create
Inconvenience for you Michael, give we shall choose this plan. It
For me even it is more good, because I can see as you live,
Your friends, you can show me the city and various,
Favourite for you, a place. And if for you it is necessary, you can
To visit the work. My work not so important also can manage
Without me, therefore I do not worry about the affairs. Inform me dear,
The opinions! If it is a good way for you too I shall do
Preparations for travel. My kisses and embraces. Yours
Letter 13
Hi my dear! I am glad to your message and thanks, that you understand me.
You are, one of those few people Michael, in which I
I can find understanding. How has passed your day dear? I hope, that
At you all OK! I have some news to you Michael. Today I
Had telephone conversation with agency of travel. They have told, that
To receive the visa of the tourist in your country difficultly, but they, probably can
To help me with it. The agent did not begin to discuss a detail by phone
And we have appointmented tomorrow. Tomorrow I shall meet them and
To discuss a question with the visa. I hope, favourite, that all will be - OK.
I have some excitement concerning all it, but also I have
Firm intention to meet you dear! Therefore any difficulties and
Charges of money, will not stop me. Write to me, yours
Messages, dear, give me many forces and energy. My gentle kisses.
Yours Tanya.
Letter 14
Hi my darling Michael! I am glad to speak again with you! dear, at me
There are good news to you. Today I have met the agent
Travel to learn concerning the visa. It has explained to me
Situation about reception of the visa to you. Your government has made more
The strict control over entrance to the country because of terrorism, and consequently
To receive to you the visa uneasy. But the agency will do it for me.
The agent has told, that they recently already received some visas of tourists in
Your country. I am very glad Michael, that we will not have with it greater
Difficulties. I all over again had fears, that the agency cannot it
To do or for this purpose very long time will be required. But the agent
Has told, that the visa will demand from them two or three weeks. Tomorrow
I will need to reach in office of agency, to sign there the contract and
Also we shall solve the problem on their payment. Now to me the darling is time to go
, To do photos for the visa and to fill questionnaires for embassy.
The agent has told, it should be prepared tomorrow when I shall come to
It in office. I very happy Michael, that now our preparations
Have begun and through small time we shall be together! Write to me the darling the
Ideas, I wait for your messages. A kiss you!!! Yours Tanya.
Letter 15
Hello my dear! I very much to wish to communicate with you online. For example msn. How you look at it? Give we shall choose time. I shall wait your letter. Yours Tatyana
Letter 16
Hi my dear! I am glad to welcome again you and I with impatience wait,
When I can tell to you HI - personally. Thanks for your message.
Michael, my day was very strained and is very tired. I reached in
Office of agency also signed with them the contract. According to
The contract, the agency will prepare me for all documents for
Travel to buy for me the ticket and to deliver me to the plane.
From my city there are no planes to you and consequently all over again it will be necessary for me
To reach to Moscow, and therefrom already to you. It is required to my agent
Some information for a route of the plane, inform me dear, the
The address and the nearest airport to you to which I shall arrive.
This information is necessary tomorrow that the agent could develop a route and
To establish all cost of travel. Today I paid in it the first
Part of money, for the visa and other documents to travel. It was in
Some times it is more, than I thought. I planned, that the visa will be
To cost for me nearby 200 $, but because of difficulties for its reception-
It was for me 700 $. dear, probably, that to me will be required
Your help for payment of other part of cost of travel. I have
Some money still, and also took some money from my parents,
But it is possible them will not suffice for payment of the second part of cost, for
Insurance and tickets. It will be known after the agent
Will develop a route. The second part of cost I should pay on
To the contract before taking away the visa. I shall inform you
Michael, if to be necessary for me the help. I hope, that it will not be
Problem for you and I can not worry about it. I have informed all of you
News about promotion of our meeting and now I send to have a rest, I
It is very tired today. I hope, what I can soon embrace you Michael.
I wait for your messages my favourite. My kisses and embraces!
Yours Tanya.
Letter 17
Hello my love. I tried to contact you in online. But at me unfortunately nothing has left. I tried 3 times, but nothing has turned out.. The darling is very a pity to Me.
Your bride, Tatyana
Letter 18
Hello my Love.
Today I am very much upset because I do not see in my letter box of the letter from you my love!
Why you do not write to me?
I love you and I want to be only with you. I have afflicted with something you? Please write to me!?
I with impatience shall wait your letter! My day becomes grey if you do not write to me.
You light fire in my heart when write to me warm words.
I know that you my true love and I want to be with you always.
Please write to me!
I shall wait!
The girl which loves you
Letter 19
Hi favourite Michael! I am glad to read your message and to learn, that I
I can hope for your help in payment of agency. Dear, I feel
Itself it is a little inconvenient. Because I had to address to you for
The help. I always considered myself as the independent person, which
Itself can solve all the problems. But, this time, I could not all
To consider and was mistaken that I can pay all travel itself
. When I travelled earlier, it costed for me less. But I
It is happy, that now I have you Michael, - the person, which
Can come to me to the aid and help me with a life. After ours
Acquaintances, at me varies sensations of. Earlier I considered myself
The strong and independent person, and it was pleasant to me to feel,
That I can care of myself. And now I feel simply
The woman who requires support. But it is pleasant for me,
To feel beside strong the man which protects me from all
Excitements of a life! Michael, I have informed a place of arrival to you to the agent and it
Counted the remained charges for me. It will be for me 1560 $.
Here tickets, insurance, road up to the airport and some other
Necessary charges. With me have still remained money, after payment of the first
Parts of cost. It nearby 300 $, and now is necessary for me, in 8-9 days
Nearby 1260 $ to pay in agency the second part of cost
Travel. I hope dear, that this money not difficulty for you and
You can help to pay to me, in 8-9 days, 1260 $ in agency
. I shall learn from the agent as you can send them it. The darling, I
I hope, that I did not do to you difficulty by the haste.
Probably it is not planned expenditure for you. If it so, not
Become angry about me please! I very much miss on you and I wait for ours
Meetings. I wait for your messages Michael! Thousand kisses. Yours
Letter 20
Hello my the most favourite Michael!!!!!
Favourite I today to have such good mood.... I to think of you and
about our finest meeting... About
that as we shall build together our general happiness.... It will be
so superb... I to think of it and to have tears of happiness.... It will be
for me very much very pleasant!!!
Darling Michael I to wish to inform you very pleasant news. Today I
learned as you can send me of money for registration of all necessary
documents for an input to your country. You can send me of money through system of the western
It is very good and reliable way of remittance all over the world.
Offices of the Western Union are in many cities of all world. You
should find such and in the city.
For remittance you need to know my full name and my address. It what
will enough send me of money.
First Name: Tatyana
Last Name: Filimonova
My address: Russia, republic Mari El, Volzhsk.
But in my city there is no office of the western union. The office of
the western union is in city Yoshkar-Ola. It is the main city in our
area. And you will need to be sent money for city Yoshkar-Ola. This
city is very close with my city and I can easily receive your money.
For that that I could receive your money you should send me your full
name, your address and control number (MTCN) which will give you at
office of the Western Union when you will send me of money. You should
send me correctly information as you will fill it in the form of the
Western Union. You should not admit any mistake, differently I cannot receive your money.
My dear Michael I to want, that you sent money as soon as possible. I want our meeting very
I with impatience wait for our meeting..... I wish to feel gentle and warm
touches of your lips on the gentle body..... I
wish to carry out the hottest your desires...... But while we need to dream of it only.
I with impatience shall wait for your letter with good news very soon.....
Mine Michael I to love you is very -very strong -is strong.... This love
will not die away more already never.... And I shall give it to you
and to please with it already all remained life....
Only yours Tatyana!!!!!!!!!!
Letter 21
Hello my Love.
Today I am very much upset because I do not see in my letter box of the letter from you my love!
Why you do not write to me?
I love you and I want to be only with you. I have afflicted with something you? Please write to me!?
I with impatience shall wait your letter! My day becomes grey if you do not write to me.
You light fire in my heart when write to me warm words.
I know that you my true love and I want to be with you always.
Please write to me!
I shall wait!
The girl which loves you
Letter 22
Hi my love!!!
How - you?
In me all is good.
How weather in you?
In us weather, today simply excellent, shines the sun.
My parents transfer you big and hot congratulations,
And also hot embraces.
They are very much interested as in you business.
You already simply a member of our family.
My Mum of you very much love mine.
Each day asks to transfer you congratulations,
And also strong embraces.
Accept and from me my most sincere wishes,
And also my most passionate magic kisses,
And also my hottest embraces from my heart of love.
I very much miss on you, my love.
You are absent on me, my charm?
I very much would like, that you were close to me, my love.
Each day I dream of our meeting to you, my love.
Each night our meeting at the airport dreams me.
I dream of the first kiss with you.
When I shall arrive to you, my love I give you
The longest kiss which very much is pleasant to you, to my Prince.
I am sure, that our first kiss will be my love, lasts very long.
You trust in it?
I dream of our first kiss in the airport.
And also about the first strong embrace.
I always present our meeting to you, as in a fairy tale.
I very much want, that our meeting remembered well.
I very much would like it, my love.
You for me an ideal of the person.
Each minute of reflection about you brings for me huge pleasure.
I shall expect your letter.
I shall write to you tomorrow .
I love you!!!
I want you!!!
I very much miss on you, my charm!!!
You are very necessary for me.
Your Queen Tatyana!!!
Your bride Tatyana!!!
Letter 23
Hello my Love.
Today I am very much upset because I do not see in my letter box of the letter from you my love!
Why you do not write to me?
I love you and I want to be only with you. I have afflicted with something you? Please write to me!?
I with impatience shall wait your letter! My day becomes grey if you do not write to me.
You light fire in my heart when write to me warm words.
I know that you my true love and I want to be with you always.
Please write to me!
I shall wait!
The girl which loves you
Letter 24
Hello my love!!! How are things going with you?? Why you do not write
to me?? I very much wish to see your messages. YOUR letters for me as
drinks of fresh air.. I very much wish to be together.
Favourite, I have for you news. Today I met the tourist agent, it
informed me, that my visa has been successfully approved, and tomorrow
I can take away it. I am very happy, that soon we shall together.
Favourite, I need to bring the second part of payment in the near
future. It on tickets, insurance and so on.
Favourite, I very much hope for your help.. YOU promised to help. :) I
love you and very much I wish to be together.
Yours sexy lady. Tatyana
Letter 25
hello my dear.
Why you to me do not write me?
I miss on you.
You any more do not want to correspond with me???
I hope for your prompt reply.
Letter 26
my msn email@example.com
Letter 27
What is you Nic??


text:
> DAY 1: Athens
Arrival in Greece, the land of the mythical Gods and ancient civilization. At Athens International Airport you will be welcomed by your private driver and taken to your five-star hotel. Enjoy your afternoon and evening exploring the vibrant culture and nightlife of Modern Athens. Ask your Leisure Travel Consultant for their favorite Athens restaurants, cafes and entertainment.
> DAY 2: Athens - Half Day Athens Walking Tour
After breakfast, your licensed English speaking guide will meet you at your hotel lobby. Begin your tour at the new Acropolis Museum and then visit the Acropolis itself and its timeless temples of Parthenon, Erectheion and Athena Nike. A short climb up to the Hill of Philopappus brings you to the imposing Roman period funeral monument and extensive views of Athens and Piraeus. You then descend to the hill of the Pnyx, the area used in Classical Athens as the meeting place for the democratic assembly. You enter the historical Plaka area close to the Thiseion temple, dating back to the 5th century BC, meandering past the ancient Agora with the impressively restored Stoa of Attalus, Hadrian's Library, and the picturesque Tower of the Winds. The route back leads up over the Areopagus, or Hill of Mars, directly below the Acropolis. Here, in 54 AD, Saint Paul preached his Sermon on an unknown God, as recorded in the Acts of the Apostles. Finally, you pass the Roman period Odeion of Herodes Atticus, which is still used as a summer venue for open-air concerts and theatrical performances. Your tour will end at Syntagma Square where you can enjoy the changing of the Guard at the Tomb of the Unknown Soldier.
> DAY 3: Athens, Mykonos
After breakfast, meet your private transfer to the Athens airport for your flight to Mykonos. Upon arrival you will be greeted and transferred to your five-star hotel. Enjoy the day at your leisure at the pool or one of the many crystal clear beaches of Mykonos. Take a walk in the whitewashed labyrinth streets of Mykonos town lined with numerous shops and restaurants; make sure to ask your Leisure Travel Consultant for their personal favorites.
>DAY 4: Mykonos
Explore the day at your leisure or enjoy an optional tour to the uninhabited island of Delos – The Sacred Island of Antiquity and the birthplace of Apollo. The entire island, all 5 square kilometers, is an archaeological monument. Remains of temples, holy places, houses, and settlements date back from the Neolithic to the Roman periods. There is no place in the world where one will not find photographs of the Lion Terrace, with its unique marble Lions. The indoor Archaeological Museum is one of the best in the country. In fact, the site is so full and rich with antiquities that multiple visits are quite common.
> DAY 5, 6, 7: Mykonos
Enjoy your day at leisure. Ask your Leisure Travel Consultant for their personal tips of favorite activities and excursions while in Mykonos. Explore one of the numerous beaches with endless golden shores and crystal clear waters ideal for swimming, sports and leisure. Take a stroll around the labrynth streets of Mykonos town, explore the neighborhood of Kastro, the church of Panagia Paraportiani, the Archaeological Museum, the picturesque Windmills, shopping in Matogianni, and Alefkandra or Little Venice.
> DAY 8: Departure
After breakfast meet your private driver in the hotel lobby for the drive to Mykonos airport where you will board your flight to Athens International Airport. Flights will be scheduled to meet your flight home.


text:
Toys, Toys and more Toys!
The toys at Geraldton Toy Library are available for loan to curious kids who are looking to have fun. With a membership level to suit your family needs, the Geraldton Toy Library operates similarly to a book library. Visit the library, choose up to 6 toys at a time to borrow for up to 3 weeks - take them home to play, develop and learn and come back for new fun next time. We have over 800 toys for children aged 0-6 including puzzles, games and more! We have included photos of our puzzles and some others for your perusal. We look forward to welcoming you on Tuesday and Saturday mornings during school term to show you the rest of our collection!


text:
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text:
Thresh Build Guide by LMHStudios
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
Thank You!
Your votes and comments encourage our guide authors to continue
creating helpful guides for the League of Legends community.
AD Thresh Top Carry (Season 5/
Thresh Build
Support Role
Starting Items
First Back (Option #1)
First Back (Option #2)
Core Items
Boots (Pick Any)
Final Build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Threats to Thresh with this build
|Easy to poke and bully to avoid him getting stacks.
Welcome to my AD Thresh Top Lane Carry. Having a lot of experience with Thresh as support, I realized how strong Thresh is. Due to his passive in receiving ability power, but more importantly armor collecting his souls, Thresh becomes tanky without building it. With the correct about of damage, and a ton of critical strike, you could be on your way to make thresh a mean, green, killing machine.
Thresh is a sadistic, spectral reaper who relishes tormenting the living and the dead. Once a jailer who mercilessly brutalized all under his charge, Thresh was hanged from his own chains by the prisoners he had tortured. With his vicious essence unbound, the Chain Warden roams Runeterra in search of prey. He derives twisted joy from slowly breaking the minds of his most defiant victims, before trapping their souls within the sickly green light of his lantern.
For Thresh's runes, I like to keep it simple. Since you won't be building too much tank excluding the Guardians Angel, it is important that you start out with the Armor and Magic Resist from the runes. Those going alongside Thresh's passive will make you stronger than your opponents realize. For the Marks, I like to add in the Attack Speed for extra early game bullying, since Thresh can no doubt deal damage, but his attack speed is a merely 0.63 without it. I also add the Critical Strike in their for that lucky hit to allow you to take advantage of your lane early.
Not much to put here, these are your basic AD masteries. If you have thoughts about this since I'm not going into too much detail, or would like me to add something for this section, please leave it in the comments.
Skill Sequence
There is a specific reason I max my Flay (E) first in regards to Thresh in lane. The Flay not only offers just a tad less damage dealt from the move itself, but allows slows the enemy affected by it. If you have a maxed Flay and a lvl 1 Q, this will allow you to pull your opponent back to you, deal damage with your pull, Flay them back and do more damage, do extra AP with your next auto-attack due to Flay's unique passive, and then slow them. This combo along with placing your W down as a shield will allow you to dominate your opponent.
Starting Items: Basic starting items. Nuff said.
First Back (#1): This is for the extra damage if you are ahead in lane. If you have the gold to or have the early kills, take advantage of it and go for the damage. This will allow you to continue to harass your enemy champion.
First Back (#2): This is for if you are behind in lane; simply for the reason that you won't have the gold means to purchase some as expensive as a B.F. sword. This will allow you to farm faster and keep on top of your CS count so you don't fall too far behind.
Core Items: Critical Strike in both allows you to punish all squishy champions, and really do some damage. I like the Statikk Shiv over the Phantom Dancer early for its extra movement speed and its unique passive.
Final Build: This is the build that will allow you to nearly one-shot the other team's ADC, if not one-shot. Your critical strike at this rate will cut down your enemies, and allow your team in team fights to eliminate enemies faster.
About Me
Hello everyone! My name is Lucas, otherwise known as LMHStudios, and this is my very first build here on MobaFire (YAY). Please fell free to leave me your feedback so I can not only improve this build but other new builds I plan on releasing in the future. Thanks!
Pros / Cons
1)When final build is completed, Thresh can nearly one vs. one anyone.
2)Has two slowing move along with a shield and hooking move.
3)Collects souls from minions to gain extra AP and Armor.
4)Easy to farm CS due to long attack range (and poke champions)
5)Easy getaways due to hook and shield form W. Can also slow champions in getaways with his ult and/or E
6)Will not be taken seriously, which you can use to your advantage
1)Not a lot of damage moves
2)Extremely squishy
3)If you fall behind, you are useless. (No CS or feeding)
4)Weak against long range champions.


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Attackers have been quick to exploit the Shellshock Bash command interpreter bug and a botnet that is currently trying to infect other servers.
Italian security consultancy Tiger Security's Emanuele Gentili said the "wopbot" botnet is active and scanning the internet for vulnerable systems, including at the United States Department of Defence.
The botnet runs on Linux servers, named "wopbot" that uses the Bash Shellshock bug to auto-infect others, he said.
It has so far been used to launch a distributed denial of service attack against servers hosted by content delivery network Akamai, and is aiming for other targets, Gentili said.
The malware has conducted a massive scan on the United States Department of Defence internet protocol address range on port 23 TCP or Telnet "for brute force attack purposes," he said.
Gentili said Tiger Security had contacted UK provider M247 and managed to get the wopbot botnet command and control system taken down from that network.
The botmaster server for wopbot, which is hosted by US network Datawagon, is still distributing malware.
He thinks that the wopbot botnet will grow like topsy as it can infect more than 200,000 zombies in an hour or so.
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text: The Wii U has only been available for a month and a half and the full range of launch titles isn't out just yet, but of those available, do you have a favorite so far? Your selection should be a game that is currently available or will be released within the 2012 year. As for me, the main reason I purchased my Wii U was ZombiU. I've always been a fan of hardcore games and a zombie-thriller seemed like a no brainer. The difficulty level really appeals to me as a person who enjoys rogue-likes and the absolute level of non-handholding that the game does is a great showcase of Nintendo's "mature" direction now. Granted there are a few problems with the game that could be ironed out, but the overall feeling I get while playing ZombiU is second to no other game on the Wii U, or any platform this year. Every time I have to open my backpack, it's a frantic affair that leaves me with an elevated pulse, hoping I'm not about to become zombie chow while I survey my surroundings. The sheer level of terror that ZombiU is able to convey through game mechanics alone is why I've chosen it as my GOTY for the Wii U in 2012. Do you agree? Let me know your favorite in the comments below! local_offer Nintendo wii u stars Further Reading Nintendo loses patent appeal, ordered to pay Nintendo was brainstorming about Switch when Christoffer Treyz Zombi U Myles Rodriguez NSMBU! Assassinated23 The only games I have are Nintendoland and NSMBU. Of the two, New Super Mario Bros U is best. Genesect4ssb4 Sonic All Stars Racing Transformed Srpg2ishere I agree with this guy!!! That game is freaking awesome! 😀 Legion6789 Sonic Racing for sure. I had low expectations for this game and I don't even like Mario Kart. But within 5 minutes of playing the demo I ran out and bought it. Such an amazing game and as a guy who's owned Sega consoles since the Master System, having tracks based on awesome Sega franchises like After Burner is fantastic! 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ZombiU is an awesome game and VERY well made for its genre… but its true that alot of people just wont really like it, and i totaly see why. its just that kind of "love it or hate it" game =) and for what it stands, it does and delivers brilliantly ^^ Michael Wakeman Well i know it is not going to be released in 2012 but the main reason i bought mine was for pikmin 3! MujuraNoKamen I was thinking the same thing, some of Wii U's biggest titles got delayed until next year which has damaged Wii U's impact on 2012 gaming. Why couldn't Pikmin 3 and Lego City: Undercover have come out already? :'( Why couldn't something else have been delayed? We've already been waiting 8 years for a third Pikmin game dammit! and a lot more people wanted Pikmin than they did Sing or Funky Barn. Either way I'm still having a lot of fun with Wii U and though i don't have a of of game for it, I'd say ZombiU, AC3, NSMBU, DarkSiders2, Trine 2 and Mass Effect 3 are Wii U's contenders for GOTY. MujuraNoKamen * I don't have many games for it… -Man how's I make that big a fuck up of a typo? Celtics_For_Life Scribblenauts Unlimited, and NBA 2K13! Paul Anderson The games i've played are rubbish Tank Tank Tank Nintendo Land Zombie U Mario Bros U Zach Fisher While I don't own or have played all the Wii U games I do own a fair share of games for that counsel. I own Batman AC, Ninja Gaiden 3, New Super Mario Bros U, Nintendoland, COD BO2, Zombie U, Sonic All-stars racing transformed, SribbleNauts, Madden, and Epic Mickey 2. I cant exactly say that any are a lot better than others but Zombie U is a great use of gamepad but Batman is as well and batman story is better and a lot longer has all the dlc. Mario graphics are amazing and look fine but its a Mario bros not so much new in that besides miiverse which is a nice community feel to it. COD has great online as always gamepad not really used besides just playing on that screen which is amazing. but you can play just using tablet in batman which is fun. so for a more hardcore gamer im going Batman for a more casual game scribbleNauts but if you have friends over then I would go with Mario Brothers. Mickey 2 is fun but if you haven't played the first you may be a little lost in the story. Desiderio Lazaro ZombieU Turquel Baker Batman Armored Edition and Mario U for me. both phenomenal games. Sonic Transformed gets an honorable mention as well Christopher Coonan It's tough to decide, but so far I'm leaning toward Call of Duty Black Ops 2. I may get some hate for that, and that hate is understandable, but I feel it was one of the best examples of what the Wii U can really do, honestly. Guest Sadly my play stats for december look like this: Internet Browser 18:41 Everything else 1:27 I haven't played a Wii U game since AC3 on November 29th. The missions were boring and the exploration felt very confined. The last thing I did was win 10 pounds in a game of checkers. It'll be a loooong time before my gameplay is interrupted by a desynchronization screen again. Looking forward to a better 2013. Bayonetta 2 looks promising, and I might get Monster Hunter for Wii U if my finances permit it. I guess I'll nominate ZombieU for 2012 goy since that seemed like the most interesting WiiU game I seen LP'd on youtube. Joe Owens I've only just gotten it, and I'd definitely have to say that Darksiders II is the best. I've also got NSMBU, FIFA 13, Epic Mickey, ZombiU, Nintendoland and Scribblenautz, but Darksiders stands out well above the rest in my books. If EA had included UT in FIFA 13 for Wii U then it would be a tough call between the two, especially because I like the gamepad features in FIFA, but definitely Darksiders at the moment. Steki Ellis Knight its weird to see a white pro controller even though most people have a black one fireheartis1 I personally love Assassian's Creed 3 on the Wii U. I have played it on both the PS3 and Wii U, and I by far have way more fun playing it on the Wii U. It is the perfect stealth game in my opinion. I play it every time I have to stay up latter on my day off so I can go to work the next night. AC3 is one of the best games I've played and on Wii U it's just that much better. There are a few flaws like the backgrounds getting blurry during cutscenes, but that really doesn't take away from the gameplay at all. AC3 for me is my GOTY. Gabe Hoffman I am tied with NSMBU and Scribblenauts Unlimited Christian Missonak I'll be honest. Because as a Nintendo fanboy I missed the Mass Effect series entirely, Mass Effect 3 has been the game I've enjoyed playing the most on my Wii U. Nintendo Land as runner-up if we want to go with an exclusive. Jesse D I have played 11 of the Wii U games and beat 6 of them. Out of the eleven I own I liked them in this order. (1) Batman Arkham City (2) Mass Effect 3 (3) Black Ops 2 (4) NS Mario Bros U (5) Scribblenauts (6) Assassins Creed 3 (7) Sonic All Star Racing (8) Trine 2 (9) Nintendo Land (10) Just Dance 4 (11) Sing Party Austin Moore Out of everything I got Mario, Skylanders, Zombi U are my favorites. Black Ops 2 as well cant raelly pick one. Zane Bendel "New Super Mario Bros U" this game was so much fun, i loved the map, the level designs, and surrounds! this game is my new Gem for the Wii U and will continue until, the new, Super Smash Bros 4, Mario Kart U, & Mario Party 10 comeout, sorry im a Mario Party Junkie i love the Games so much. Also i think the next Smash Bros should be called: "Super Smash Bros Battle Royale" to me the name just clicks, and feels some how just right, and it fits with the other fighting names, "Melee" "Brawl" Also i got a Wii U add on to my Nintendo Console Collection, just missing the NES though. ;(


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It's so frustrating, I'm like a tweenie in the clothing department. I'm quite a small girl, skinny with barely any boobs. It's so hard to find clothes that I like that actually FIT ME. I love the styles of the junior sizes, but sadly, I barely fit into a child's 14. I can also fit into xs and xxs, and depending on the shirt sometimes a small. As for pants, a 00 is about all that fits in juniors. (I'm a 12 in kids) It just sucks cause I'm in 9th grade and everyone has amazing style and then there's just me wearing kids clothes looking like crap. I fit into some Aeropostale clothes, but are there any other stores that run small in sizes?
**FASHION HELP NEEDED** Stores with sizes that run small?
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Just to prove I've got my knitting mojo back, here is my latest WIP finished in two evenings. Its my Autumn beret in Wendy Fusion yarn, the pattern is the beret from Twilleys Freedom Spirit 455 book. I've made this pattern before and loved it and I'd planned to use this yarn for a beret for ages. I've got a matching scarf I've made in this yarn so I'm sure I will be wearing both all winter! I do love this pattern as it fits really well, love the colours too.
I'm having a few issues with uploading pictures to WordPress today, I can't seem to upload them to the right size! Hopefully this post will work.
Tomorrow I've really got to do some school work…. and I confess, I've just cast on that gorgeous alpaca yarn I got in my Christmas swap parecl for another beret! so I might have to work on that too. Its good to be knitting again!


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If you read the fine print for any insurance policy, you will notice a section on exclusions. These are situations that the insurance company does not cover and will not pay a benefit. Disability insurance is no exception, and anybody who owns or is considering purchasing it should be aware of its exclusions. Below are some of the typical disability insurance exclusions found in policies.
Disability insurance exclusions
No benefits will be payable and no premium will be waived if the disability results, directly or indirectly, from any of the following causes:
Normal pregnancy or childbirth: However, the insurance company will not exclude a disability which results from a complication of pregnancy, including but not limited to extra-uterine pregnancy, pernicious vomiting, post-partum hemorrhage, and toxemia.
An act of war and any hazard arising from war: As an act of war will dramatically increase the likelihood of disability (and death), it is specifically excluded in both life and disability insurance policies.
Surgery to transplant an organ: Disabilities that result from the transplant of an organ or any other part of the insured's body to the body of another person is excluded, except as provided under the transplant surgery benefit provision.
Incarceration: No disability benefits for any period while the insured is incarcerated in a penal institution or government detention facility.
Dangerous avocations: Amateur athletes competing in hazardous sports will be accepted at standard rates with an exclusion rider for any disabilities resulting from their participation in that sport. Disabilities resulting from hazardous activities such as automobile racing, hang gliding, contact football and hockey, martial arts, mountain climbing, rodeo events will be excluded.
Foreign travel: Depending on the country of origin and travel history, a foreign travel exclusion may apply. Because of political instability, living conditions and the threat of terrorism in some countries, insurance companies typically have exclusions for both life and disability insurance for these countries.
Besides these exclusions, certain occupations are also uninsurable for disability insurance. For instance, pilots, flight attendants, musicians and models work in occupations that have unusual physical hazards or have a high degree of job instability. There may also be exclusions for certain causes of disabilities, depending on the medical history of the applicant.
It may seem like exclusions only benefit the insurance company by letting less claims be approved, but they also help insureds in a big way. With less claims being paid, insurance companies will be able to pass the savings off to consumers in the way of lower premiums, with the result being that everybody benefits.
Image courtesy of Stuart Miles / FreeDigitalPhotos.net


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PLM Technical Support Jobs India-3D PLMJuly 9th, 2010 Posted by VFreshers
Job Position : Technical Support in PLM domain.
No of Openings : 3
Experience : 1 – 3 Years
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Required :
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- Good English communications skills, both written and verbal required.
About company :
3D PLM Software Soution Pvt Ltd.
3DPLM Software Solutions Limited (3DPLM) is a 70:30 joint venture between Geometric Ltd., a specialist in Product Lifecycle Management (PLM) software development and Dassault Systems, the world leading provider of 3DPLM solutions.
Established in 2002, 3DPLM Software started operations with a mandate of software development for the DS Group, thereby allowing the new company to generate revenues from day one. At 3DPLM, we work on products development, industrialization, maintenance, documentation and market support for cutting-edge and innovative product like SolidWorks, Catia, Enovia VPLM, Enovia Smarteam, Enovia MatrixOne, Delmia and Simulia
Website http://www.3dplmsoftware.com
Apply : If you have registered your CV with Naukri.com CLICK HERE to apply
OR CLICK HERE TO POST YOUR CV AT NAUKRI.COM and then apply above


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WOW .... look at the lusture, the depth, the beauty and the uniqueness, this is the beauty of Australian black opal, which everyone can fall in love with.
You'll find some strong violet, royal blue and that's all you will find in this lovely opal, no other colors will distruct its beauty.
An amazing gemstone with great play of color, only to be found at Lightning Ridge, NSW, Australia, your satisfaction is guaranteed !!
The shape of opal. Our opal comes in Oval, Round, Teardrop, Square, Triangle and Free Shape.
Describes the arrangement of opal's play of colour. Please see Learn About Opal to understand more.
B1 is most desired and brightest to be seen, and B7 is most darkest / dullest of all.


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I Am England
Posted on Feb 23, 2017
Group 64 Theatre for Young People present:
I Am England by David Lane
23rd-25th March 2017 7.45pm
25th March 2017 3pm
At Putney Arts Theatre, Ravenna Rd, London SW15 6AW
The future of the nation now lies in the hands of those who were once too young to have their say on its current state. Can pinning our hopes on a poster-boy hero tame the masses? Could the country be saved from collapse? Will the next generation get their voices heard? Written in 2012, and inspired by Shakespeare's Coriolanus, I Am England started life as an exploration of a hypothetical post-Europe Great Britain. Five years down the line, this play perhaps resonates more deeply now than ever before.
Recommended for ages 13+ due to strong language.
Performed by Group 64's 14-18 year olds.
Tickets available on 0208 788 6943 or online here
Full price £12/ Concessions £8 / Group 64 Member £5 / Family Ticket £35 (2 adults, 2 young people)


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Clouds FM kuwaita wazanzibari mashoga ni sawa kweli??
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What is necessary to achieve full body health?
Most people are despise hearing exercise and eat right. Why? Because it makes them feel stupid, like they don't already know this.
Maybe you feel the same way. You read and hear about certain diets and workouts and you don't have the first clue what one is right for you. You poke around longer for some answers hoping it will all suddenly become clear to you. But, then your eyes get tired and your head is spinning so you just give up.
There is no need to worry about it. Many feel this way when they start researching what plan to achieve full body health is right for them. Let's face it, everybody is different in different ways. What may work for one person may not work for another. But, there are 4 elements that affect everyone in the same way. Discovering what these elements are, will make your journey much easier and make sense.
On my journey to create a healthy lifestyle, I discovered that all of these elements need to work together. They feed off each other and make an energy that has momentum. I was so shocked to find this momentum that I was able to achieve beyond my weight loss goals, and have more energy and vitality.
4 Top Elements To Achieve Full Body Health
1 Mental. Your mind is your most powerful asset. Make sure you are using it to its potential. To do that, meditate and ponder daily about what you want to accomplish. Dispel negative thoughts and replace them with positive affirmations. This will make positive energy flow inside you.
2 Physical. This one is obvious, but you won't be successful exercising and eating right if the other elements are out of whack. Focus on fruits and veggies and eating goodies in moderation. Daily exercise to reduce stress, and help all of your systems to function at their best.
3 Emotional. Your emotions are not controllable,so it is important to learn how to manage them. Feelings happen without your control, but they can take over your mental and physical self if you let them. Essential oils have powerful properties that aid in balancing emotions.
4 R and R. Rest or sleeping is very important for all of the elements to work properly. It is also important to manage stress levels and be able to relax.


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Located in Downtown Silver Spring.
11am - 7pm Sunday,11am - 7pm Monday,11am - 9pm Tuesday,11am - 9pm Wednesday,11am - 9pm Thursday,11am - 9pm Friday, 11am - 9pm Saturday
Estimated Cost: $25
Ages: All
Type: Pottery & Ceramics
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text: why! dude i love dooney & bourke, i don't hate the whole company for this, but spring and summer just can't warrant all these lines... that are so childish... i dunno, please dont' hate this company for it's mistakes, i can tell u right now i own 2 delicious bags that just DO IT for me, i really wish i had a digital camera, you'd know why i love them... they are called the "tattoo" line... but what do you think of THESE??? :