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It's not exactly a very friendly sounding word, now is it? The good news is that bankruptcy can be overcome. I'm living proof of it. I declared chapter 7 bankruptcy in 2007 and survived, and you probably can too. It ended up being a good move for me.
Over the past few years, I've written quite a bit about my experience with bankruptcy.
Most Popular Bankruptcy Articles
- Read all about cost of bankruptcy.
- Bankruptcy information for all 50 States
- See: Do I qualify for Chapter 7 Bankruptcy? – All about the chapter 7 means test.
- Do you need a bankruptcy attorney? – 5 reasons you might want one
- Find out what a reaffirmation agreement is here.
- Your 341 Meeting is where you meet the judge and make your case. It's really awkward (at least in my case)
Chapter 7 Bankruptcy FAQ
- Do I Regret Filing for Bankruptcy at Age 23?
- Chapter 7 Bankruptcy: Process & Timeline
- How Bankruptcy Affects Your Credit
- Chapter 13 Bankruptcy: Process & Timeline
- chapter 13 bankruptcy – my best option?
- Bankruptcy Alternative: 3 Alternatives You Can Take Right Now
- 7 Lessons I've Learned Post Bankruptcy
- Can I get a mortgage after my Bankruptcy?
- How I Avoided Bankruptcy
- How To File For Bankruptcy Without Losing Your Mind
- The Difference Between Chapter 7 and Chapter 13 Bankruptcy
Do I Regret Filing for Bankruptcy at Age 23?
It's been over three years now since I filed for bankruptcy.
Time for some reflections.
Do I regret filing bankruptcy?
No, I don't.
I really did not want to file bankruptcy initially. In fact, if you look back at some of my posts in mid-2007, I was very adamant about not filing.
I realized that was more about my pride than making the right choice for my family and myself.
Pride does that sometimes.
Could I have avoided filing chapter 7?
It's possible.
If I had known that my income would dramatically rise a year or two after the point I filed, it's possible I could have avoided filing. Or gone with a chapter 13.
The problem is that filing made it all possible for me to reset, to get a fresh start. And my income was down to next to nothing when I filed, so it was hard to see at the time a larger income stream on the horizon.
Do I recommend filing bankruptcy?
In the right situation, yes.
It's not for everyone. The 341 Meeting is strait awkward. The whole process isn't fun at all…but for me, it was worth it.
I've been telling more and more people in my life about my bankruptcy filing. I think if you can recover well from it, it doesn't have to be this horrible thing over your life forever.
I think it's also about how you view yourself. Yes, you screwed up, but tell me, who hasn't? Yeah, my mistakes were bigger than most financial ones, but you know what…it's not life or death. It really isn't.
And I think with the way the economy is and the whole housing crisis, I think filing for bankruptcy has less of a stigma than ever.
This doesn't mean I think it should be a first option. It should always be the last resort. But once you're at the last option, take it and move on with your life.
What have been the consequences in the last 3 years since filing?
Since I committed to a cash-only lifestyle, the effects have been minimal.
The largest has been housing. Every housing situation I've found since filing, has been non-conventional. I've avoided management companies and rented directly from owners. That's the only way to even have a shot at a decent apartment.
What happened to your credit score?
Well, like most people looking at filing, I was way beyond on lots of debts. So my score was already in the crapper. I think I hit 472 even before filing.
I applied for a few "rebuilding" type credit cards right after my bankruptcy and I think that was a good move. I never keep a balance on them (the limits are only $300 and $500), and they seem to have helped my credit score recover a bit (I'm above 680 now, I was below 500 post bankruptcy).
So three years later, my credit score is actually looking really good. I have no bad debt, one small federal student loan, and a few good credit lines with no-late payments. 700 FICO here I come.
Not that I will be using that score anytime soon.
I think if I wanted to buy a home at some point, I will run into issues having the bankruptcy on my record.
What happened with your student loans?
Nothing. Those aren't dischargeable in bankruptcy.
I recently paid off all my private student loans however.
Any advice for someone thinking about bankruptcy?
Meet with 2 people:
1. a consumer credit counseling person to see if a debt management plan could help you avoid BK
2. A bankruptcy attorney. They are obviously going to push you in the filing direction, but nearly all BK attorneys will do a informational meeting free.
Also, the bankruptcy paperwork is a bear. It will take work for you to fill out all the details correctly. Don't skimp spending time on this. Your attorney can help guide you with the paperwork, but ultimately it's your responsibility to make sure you fill it out with all the correct details.
Lastly, ironically…the cost of filing bankruptcy isnt'cheap. Expect to pay at around $1,000 on average to have an attorney handle your bankruptcy case. Can you do it on your own? Yes, but I would never recommend it. You'll end up shooting yourself in the foot, and the stress is not worth it.
Chapter 7 Bankruptcy: Process & Timeline
A Chapter 7 bankruptcy is a legal proceeding in federal bankruptcy court which can release you from any necessity to ever pay your debts.
In doing this, however, you do stand to lose any non-exempt assets you may have (stocks, bonds, cash in savings accounts, valuable artwork, etc) to the trustee-in-bankruptcy appointed by the court. These are ordinarily sold and distributed amongst your creditors. This includes any income tax refunds that are due to you.
Fortunately, you are permitted to retain some important assets that the court considers exempt under federal law. These include your house, your car, clothing, personal items like furniture and house ware, etc. The usual cost due to the court for filing is just under $300.00.
What the Debtor (filer) Must Do
First you and your attorney must attest to the fact that you understand that you are filing factual information and also that data being provided is warranted under existing federal law. This simply means that you understand both the state and federal laws that apply to filing under Chapter 7. The required forms under §521 and the Means Test in Official Form B22A (which determines your ability to pay certain costs) and numerous other documents are complex for any layman at law and should be handled by an attorney.
If you make too much money to file Chapter 7, you should look at filing Chapter 13 Bankruptcy.
Filing a bankruptcy has become considerably more complicated since the Bankruptcy Reform Act 0f 2005 became law. It includes, among other things, the necessity that the debtor attends one class or credit briefing before filing. Today, attorney's fees for filing a Chapter 7 range from about $1275.00 for a simple filing to as much as $2,500.00 for complex cases. Anyone who attempts to handle his or her own bankruptcy today can reasonably be said to have had a 'fool for an attorney.' These filings are just too complex for a non-lawyer to handle properly.
The Chapter 7 Timeline
In most cases, you can expect to be adjudicated a bankrupt within 4-6 months from the date your action is filed in the federal bankruptcy court. While there are some important things to consider and do prior to the actual filing, your case really begins on the day you file it with the court. This is the day that the 'automatic stay' (temporary injunction) goes into effect. It prevents your creditors from contacting you, harassing you or dunning you for payment in any way. The next important date is approximately 20-40 days after filing. This is the 341 meeting of creditors with the court-appointed trustee.
In most cases, unless the debt is very large, your creditors will probably not even show up. You (and your attorney) must be present and be sure to bring your social security card and a photo ID. If the trustee requests any additional documents, be certain that you supply them as quickly as possible. You can expect to be discharged within 60-90 days after the meeting of creditors.
What Happens to My Secured Property?
Certain property that is secured such as your house and a financed car, boat or RV, may be repossessed by the lender and cannot be discharged in a Chapter 7 action. The thing to do here is ask each lender to accept a 'reaffirmation' of your debt. This means that you agree, in writing, to continue making the payments after you are adjudicated a bankrupt. Most lenders are happy to agree, since you have discharged your other obligations and cannot file bankruptcy again for seven years.
How Bankruptcy Affects Your Credit
As a general rule, it is best to consider bankruptcy as the least desirable option available to you when your finances have gotten out of control. However, if your financial situation has been going downhill for an extended period of time, your credit standing is probably so bad that filing for bankruptcy really won't do much to make it worse, with one exception: A bankruptcy remains on your credit report for ten (10) long years. Nonetheless, creditors will know that once you file bankruptcy, you cannot do so again for 7 years.
When your finances reach the point where you consider them terminal, bankruptcy will provide relief in the sense that it will halt the never-ending dunning letters and telephone calls from creditors and collection agencies. The effect that it will have on your credit standing depends in part on which type of bankruptcy you file.
Chapter 13 Bankruptcy credit issues
Chapter 13 bankruptcy, also referred to as reorganization, does not discharge your obligations. What it does do, is permit you to 'work out' a plan for paying them off in amounts and timeframes that you can manage. Chapter 13 is designed to provide a solution for people who have suffered a short-term financial problem due to a job loss, sudden catastrophic illness, etc. If you still have a regular income and wish to avoid the stigma of a Chapter 7, a Chapter 13 filing can give you the time you need to correct your problem. This filing will combine an automatic 'stay' with three to five years to catch up on your backlog while you keep current on your ongoing monthly expenses. You will have to complete a U.S. Trustee-approved credit counseling briefing with your petition in order to have the court place a stay or hold on a foreclosure or repossessions. Your creditors will receive a notice from the court that stops their collection efforts and dunning in approximately fifteen (15) days after you file your petition.
A Chapter 13 bankruptcy will have a negative effect on your credit report, but it does show your willingness to pay your debts rather than to discharge them. That should help you obtain new credit within a year or so.
Chapter 7 Bankruptcy credit issues
From a credit standpoint, Chapter 7 bankruptcy is the blackest mark you can have on your credit standing. While it absolves you of the debts you owe (except for monies owed in child support & alimony or unpaid income taxes), it makes obtaining new loans or credit cards extremely unlikely for at least a year or two and perhaps longer. There are some exceptions. Federal student loans, for example, are not granted based upon credit history or income. In fact, federal law prohibits discriminating against applicants based upon these factors.
Getting New Consumer Credit Will Be Difficult After Either Bankruptcy
You may be able to obtain a home loan beginning two years after being discharged in Chapter 7, or as soon as one year after filing a Chapter 13. FHA and VA-insured mortgage loans can be had as early as one year after filing either bankruptcy petition. Normal consumer credit, such as revolving charge accounts or credit cards, will be much more difficult to secure, as they are determined by the credit standards of the individual lenders.
Chapter 13 Bankruptcy: Process & Timeline
A Chapter 13 bankruptcy, also referred to as 'reorganization', does not discharge your debts as a Chapter 7 Bankruptcy does. Instead, it provides you with an opportunity to settle amounts past due through monthly payments made over time in addition to your regular monthly payments.
Chapter 13 is normally utilized by people who have suffered a catastrophic financial event such as a sudden job loss or major family illness. It is used by both individuals and businesses and does not negatively impact credit to the degree that a Chapter 7 filing does, because it demonstrates to creditors that you are willing to pay your debts despite the problems.
What Must a Debtor (filer) Do?
Prior to filing the Chapter 13 action, you must complete a U.S. Trustee approved credit counseling briefing. Once completed, a certificate of completion must be filed with your petition. Your case really begins when your attorney files the petition in federal bankruptcy court. When a Chapter 13 action is filed, it places a 'stay' in effect under 11 U.S.C §§ 362 that prohibits your creditors from harassing you or attempting further collection activities. A notice of your filing will be sent to the entire list of creditors you provided within fifteen (15) days of filing.
The Chapter 13 Timeline
As previously stated, your case begins on the date your attorney files your petition with the federal courts. Approximately 15 days later, the court issues a notice of commencement of the case to all your creditors. This notifies them that the 'stay' is in effect and sets the date for a 341 meeting of creditors before a court-appointed trustee. It also informs your creditors of the final date for filing any complaints or objections with the court (usually 30 days). Your planned re-payment schedule must be filed within fifteen (15) days of filing unless your attorney included it with the original petition. Approximately 20-40 days later, the 341 meeting of creditors is held. In most cases, few if any will actually attend unless the amount due is extremely large. You can expect to be discharged within 60-90 days after the 341 meeting date.
What Must You Do to Qualify for a Chapter 13?
In order to qualify for filing a Chapter 13 bankruptcy, the following must be shown:
• You must have a regular income that will permit you to make the pre-determined payments to the trustee in bankruptcy who will distribute funds to your creditors.
• You have to show that you have an adequate amount of disposable income so that you can make regular payments to the trustee AFTER covering your current living expenses.
• You must also show that your disposable income falls within the pre-set limits for both secured and un-secured debts. These limits are updated occasionally and your attorney will be up to date on what they are. In May 2007, these limits were $1-million for secured debts and $337,000 for unsecured debts.
Some important Cautions…
For either Chapter 13 or Chapter 7 bankruptcies, you should be aware that any assets transferred to family members, friends or some business associates will be considered as 'preferential' and disallowed by the court. The court may also dismiss your petition altogether if it believes that transfers of ownership or sales of assets were done to defraud your creditors.
You also cannot file a bankruptcy petition if you had a previous petition dismissed within the past 6 months of this filing.
chapter 13 bankruptcy – my best option?
My father came to visit yesterday and we had a free meeting with a bankruptcy attorney earlier this morning.
Needless to say, it was an enlightening and interesting meeting.
I went into the meeting very, very anti filing a bankruptcy. I've come out of the meeting very, very unsure of what I should do.
My Questions about Bankruptcy
We went into the meeting with a one page overview of my situation and two other one page spreadsheets. I was well prepared. I had a list of specific questions I wanted to get answered and for the most part all of them got cleared up.
Some of the question I went in with:
- Personal & Business debt totally intermixed – a mess!
- Personal vs. Business bankruptcy? Is it one or two filings?
- Business revenue being applied to personal debt, generating more tax liability.
- WAMU & Wells will not negotiate a payment plan on Business Loans. WAMU has demanded payment in full on ~$30k
- Who can seize or take control of a Business Checking Acct. and how can that be prevented?
- Wells Business Checking Acct. risk?
- IRS back taxes, & current year taxes
- Is any form of bankruptcy an option?
- Cost?
- How you get paid?
- Taxes on write-offs?
Chapter 13 vs Chapter 7 Bankruptcy
Due to my level of income, my situation would definitely be a chapter 13 filing. A trustee would set up a re-payment plan for up to five years based on my disposable income (in theory, my business is supposed to be paying me 40K a year).
Business vs. Personal Debts
Because all my business debts are personally guaranteed by myself, they can all fall under the personal bankruptcy. As least this is what we got from the attorney.
Taxes and Students Loans
Taxes and student loans cannot be forgiven or reduced in any manner, but it sounds like they could be rolled into be being handled by the trustee as well.
Pros of Filing (as I see them)
- Monthly payment would be my disposable income on 40K, so probably no more than $1.5K a month at most for everything. This is vs. the over 3K a month I have no with all the debts
- In 5 years everything would be gone (this does not include the money I owe my mother, since technically it is not a debt)
- Would allow me to separate business vs. personal expenses and start with a clean organized slate on the business side of things
- All debts go to 0% interest
- No more calls, disruption of business time, ect
- Other pros here I'm sure
- Stays on credit report for 7-10 years. My credit is already shot….but still.
- I would have to check those boxes on applications that ask if you've ever filed a bankruptcy (yes, this seems trivial…but its not to me)
- Other cons here that will come to me later…
Bottom Line
The bottom line is that I really need to think about this. I've got some big projects at work coming out in the next 3 months that could significantly change my revenue at the business.
I'll be honest…the more I think about it, the better idea it sounds. I really need capital right now in my business to expand things…but all profits right now are going to debt payments.
I'm so confused.
Time to get back to work. At least I can do that well…
Bankruptcy Alternative: 3 Alternatives You Can Take Right Now
Bankruptcy is something that, if you are by any means able too, you should avoid at all costs.
Having gone through a bankruptcy myself, I can tell you that there is nothing fun, simple, or easy about it. It's a mark that I will live with the rest of my life.
This guide will show you various ways to avoid Bankruptcy. Some of these options have consequences, but none as severe as bankruptcy.
I hope that as you read through this guide you will commit to taking action right now to avoid bankruptcy. There are many paths to avoiding a bankruptcy, but they all require action, and hard work on your part.
I will list the options from least impact (paying your bills on time, getting out of debt a dollar at a time) to the most impact (entering a debt management plan).
Cut Expenses, Start Paying Down Creditors
If you have a manageable level of debt you can avoid bankruptcy. What is a manageable level? Most experts agree that if you have unsecured debt that is higher than your annual income, it that is not manageable. For example, let's say I make $35,000 a year. $20,000 in credit card debt is manageable, 60,000 is not.
Depending on the extremes you are willing to venture to in avoidance of a bankruptcy, you could stretch that manageable definition a little.
If you have a manageable level of debt, your best option is to pay down your debt. There are two theories on this. One, you pay the highest interest debt down first. Two, you pay the debt with the smallest balance down first (also known as the snowball method). Mathematically, paying the highest interest debt will get you out of debt the fastest. Psychologically, many argue that the snowball method keeps you more motivated. The thought being that you stay with the debt pay down and get more and more excited (the snowball keeps building) as you pay larger and larger debts down.
If you can budget in $200/mo to pay down the principle on a credit card, or even $100, you can snowball your way out of debt.
I could write volumes on tactics and strategies for managing your expenses. But it's quite simple: spend less than you earn. take the rest. pay the debt down.
A Debt Management Plan
If you're monthly credit card payments are just out of reach, and you're done everything you can to reduce expenses, a debt management plan might be your solution. When you enter a DMP, your interest rates are dramatically reduced, and all your unsecured payments are paid in a lump sum to the plan provider.
A DMP has severe consequences on your credit score, though not nearly as severe as a bankruptcy. It is not a public record, and you will not have to go to any hearings like you do with a bankruptcy.
I was in a debt management plan for a few months as I tried with all my heart to avoid bankruptcy. In my situation my debt was just too much, but I wish I had been able to pay off my plan.
When to file Bankruptcy
If you can't do options 1 or 2…you might have to look at chapter 7 bankruptcy. It's not the end of the world.
A local bankruptcy attorney can help you understand the differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy, so that you can make an educated decision about the best next step for you.
7 Lessons I've Learned Post Bankruptcy
It's been over two years now since I filed for a Chapter 7 bankruptcy.
Two years of scrapping, recovering, learning, and often, pain.
So, what have I learned in the last two years? Plenty.
1. Bankruptcy hasn't hindered my life dramatically
The funny thing about Bankruptcy is it dramatically kills your ability to get credit. But if you just filed a BK, the last thing you need is credit again, right? I mean, go all cash for a while. I didn't even think about credit for a long time. I've since rebuilt my score quite a bit by getting some bad credit credit cards, and paying everything on time. But I still have zero credit card debt 2 years later.
For me, my bankruptcy wasn't a "start over", it was just a marking point. I still had over 150K in debt (to my mother and student loans that aren't discharged in a bankruptcy). For many people, I imagine a bankruptcy is devastating. For me, it was the right move at the time, and if I had to go back two years, I'd do it again. I'd have too.
2. Owning a home doesn't mean "you've made it"
In fact, most of my friend who bought homes 2-3 years ago are kicking themselves. I mean, I fell for the trap as well, but I feel many of my friends still think home ownership is the bees knees. I'm sorry, it's just not. I can't tell you how many people keep asking if I'm buying a home when I move, and I'm just like, "Nope, just renting". You can almost hear their shock at how confident in my statement I am. It blows people away, even in 2010, that I don't want to buy a home (even though I now definitely could again)
3. Cash is King
For about two years (2007-2008), I slept horribly. I was always on edge, always waiting for the shoe to drop. I'm still getting over that. The cause? No cash.
No cash in the bank means that any small event (minor accident, illness, car trouble), could turn into a major one. And that causes a ton of stress.
$5K in the bank will fix that for most people. Granted everyone's "Sleep Better at Night" number is different, but for me it was around $5,000. Once I had that in the bank, I knew that any small bump, would be just that, and nothing catastrophic.
4. People will judge your regardless of your wealth
Rich or poor…it doesn't matter. You're always going to encounter people who aren't happy that you are succeeding, or are happy that you aren't. Haters gonna hate.
5. You have to force yourself to succeed
When you have no other option than to succeed, a funny thing can happen, you actually succeed. Two years ago, I had no choice but to succeed. I'm not quite there yet, but I'm getting darn close to being able to pay off my Mom completely, and my student loans, and be 100% debt free. For me, my bankruptcy wasn't a "start over", it was just a marking point. For many people, I imagine a bankruptcy is devastating. For me, it was the right move at the time,
6. You can learn from your mistakes
I think a lot of people, some of my family included, thought I wouldn't be able to kick my trading habits. But I haven't traded a single stock or currency (I have sold some stock holdings I had) since Jan of 2007.
Just because you screw up big time, doesn't mean you'll always be a screw up. You can learn learn from your mistakes!
7. Hard work WORKS
I've worked my rear off in the last two years. And it's paying off. I'm closer than ever to many of my goals, I'm getting married, I'm in decent shape….but it hasn't happened magically. I had to work to prepare myself to be in a relationship. I've had to work my butt off to make more money. I'm always looking for new ways to improve myself, in business, in learning, in life. And that takes hard work.
Can I get a mortgage after my Bankruptcy?
Apr 22, 2011
Well, it's now been over three years since my chapter 7 bankruptcy was discharged.
My credit score has returned to a pretty average level: 682 on Experian
My score hasn't really changed much in the past 18 months, I was a 664 in November of 2009. But I haven't done much to really work on it.
I setup a few credit rebuilder type credit cards right after my bankruptcy, and I don't use them, but they are active, at least 2 $500 limit cards. I think those have helped.
Since my bankruptcy I haven't had any adverse credit issues like a late payment showing up, and little to no inquiries. So, the question remains…
Could I get approved for a mortgage?
First off, I'm not looking to buy a house this year. But it's something that in the next year or two my wife and I might look into. My wife's credit is like 780 or something ridiculous like that. She's goody-goody like that.
Strikes against me: Bankruptcy, house short sale in 2007, self-employed
Positives: No bad debt, good landlord references, High income level
I know I looked into buying a home awhile back and the mortgage office I talked with seemed to think it was doable 2 years post bankruptcy and short sale. Well, by the time I might be serious it will probably be 4 years post those events.
Does anyone have experience getting a mortgage after bankruptcy and/or a foreclosure or short sale process?
How I Avoided Bankruptcy
Jul 22, 2008 – Guest Post
I've been reading the debt kid's story with interest… how he came to be in as much debt as he is in and then decided bankruptcy was his only answer. I wasn't quite as much in debt as this guy, but I thought I'd share my own personal struggle with debt – and how I avoided bankruptcy.
I put myself through four years of college at a private university (at the time I thought it was a better education than a state school, but now I realize there isn't much difference in the real world unless we're talking about Yale or Harvard or something!). By "putting myself" through college, I mean, I took out loan after loan, and put the difference between what the loans would pay and what I still owed on credit cards.
I graduated with close to $60,000 in school loans (about half are privately funded loans rather than federal loans), and a good $15,000 in credit card debt. Don't ask me how I was able to keep getting approved for higher limits and more credit cards, but it wasn't that difficult to do. I'd ask, I'd receive, I'd spend. As a college student, I prided myself in using credit cards only for college related expenses, thinking it made it "good debt" – while friends were using their credit cards and parents' cards to charge their entertainment expenses. Either way- debt is debt and I was in trouble.
I was working full time for a government office, but my pay wasn't anything exceptional and certainly not enough to cover living expenses and the loan payments and credit card payments. I was late on the bills simply because there wasn't enough money to go around once all of the education loans came due; and to top it all off, I started a family just a few months after I graduated. Yes, I realize this was poor planning (or lack of planning?!) but it's how it happened.
My expenses were increasing (new baby), but my income was decreasing (staying home with baby). I got a work-at-home position as an administrative assistant (no daycare needed), and supplemented it with writing jobs, but with $75,000 in debt and living expenses – I was still in trouble. My husband worked full time and made an average salary, but he had racked up debt and expenses from years of not really caring about whether he paid his bills or not!
We had to do something. Bankruptcy was considered and thrown out because you can't write school loans off with a bankruptcy. Since the bulk of the debt was school loans, we didn't think it would be very helpful in the long run to further damage our credit and file bankruptcy since we'd still have the $60,000 in school loans to deal with, and our living expenses.
My husband had a mortgage, and so he attempted to reduce his own expenses (cards in his name gotten before we got married, small loans, vehicle loan, etc) by refinancing his mortgage to include most of his other expenses. In the process, he was talked into taking the property and school taxes out of escrow for the "lower" monthly payment on the house – not understanding he'd still have to set aside $60 a week in order to have the money available for the taxes when they came due. So the consolidation of his debts with the mortgage refinance actually caused us to pay MORE per month than we had been paying previously!
Our next attempt to salvage the money situation was to use a loan from his 401K to pay off credit card debt. Having been an avid reader of personal finance blogs for several years now, I understand that 401K loans aren't the best use of the money – but it seemed our only option. The interest we would save on paying off the credit cards with the 401K loan made it worthwhile to us to take from the retirement fund. Plus, when you repay a 401K loan, you pay interest on the money borrowed – which is also deposited into your 401K (so you basically pay yourself back with interest!). We probably lost money on the investment side of the 401K by having less in the retirement account, but I'm certain we probably gained in the long run by paying off credit cards that were at 20% interest or more!
We have sort of learned our financial lessons, although we're still a long way from where we'd like to be. When we added to our family with our second child, I had a difficult pregnancy that put me on bedrest for awhile – reducing my income temporarily and making it difficult to keep up with the school loan payments (again). The federal loan programs allowed me to defer the loan payments for a few months, but my private education loan through Wells Fargo did not offer a deferment program or any other alternative payment method for this difficult time, and charged my loan off when it was 91 days late as per the contract I signed when I was 19 years old. This of course, further damaged my credit, and the only way to get this loan out of collections is to either pay it in full (about $24,000 right now, after the company added close to $8,000 in fees and such immediately before charge-off), or make payments for years until it's paid off – but during which time Wells Fargo will not update my credit report to reflect the payment status and so my credit score will not improve by making payments.
We rarely use credit cards, but when we do we pay them off within a month or two of using them. I think the point I'd like people to take from this post, is that even when you think bankruptcy is the only answer- reconsider. If you have retirement, a way to consolidate, or a family member willing to help you get your act back together again, you will probably be better of using these alternative resources rather than filing bankruptcy.
How To File For Bankruptcy Without Losing Your Mind
Filing for bankruptcy sucks. It's time consuming, stressful, and overwhelming all at the same time.
When I filed my bankruptcy three years ago, I learned a number of lessons I will share here.
First off, don't try to file bankruptcy by yourself. Even with a lawyer, it's a daunting process. I can't imagine trying to do it on your own. You'll pay $1,000+ but they are worth every penny. (even the federal court recommends it saying, "hiring a competent attorney is strongly recommended."
With that disclaimer, here's what to do to prepare to file:
1. Get organized
You are going to have to provide exact numbers, including account number and balances for every debt you want discharged in your bankruptcy petition.
So start a folder of all your latest credit card bills, medical bills, mortgage, etc. Keep the latest bill in that folder. It will come in handy later.
2. Make copies of everything
Make copies of all your latest bills, and any of the latest collection agency documents you've been (most likely) receiving.
3. Be 100% honest with your lawyer
"Be completely honest with your attorney. Usually, if you are completely honest, all of your property will be protected," said Angela Low a bankruptcy lawyer in Seattle.
Look, you aren't the first person to file bankruptcy. And your lawyer I'm sure has dealt with more complicated and convoluted cases than yours.
Always be 100% honest with your attorney.
They will help you, and I know you might feel ashamed, but you need to accept that they won't judge you, and are there to help.
Don't hide any documents they ask for. Don't forget to call them back. Don't forget to email them back. Keep in as close of communication as you can to keep your petition moving forward.
4. Work on your petition form every day
Your lawyer will give you a giant form that you need to fill out so they can start your paperwork. It will be a TON of questions.
Work on the form each day. Just answer a few of the questions a day, gather the documents needed and keep working on it.
Your lawyer will not be able to file your paperwork (bankruptcy petition) without you helping them.
Filing for bankruptcy is not a magical process. It takes work.
5. Reaffirm your vehicle*
*unless you are very upside down
You'll want to probably keep at least one vehicle. Make sure that you tell your lawyer this! There is a separate attachment to your petition that must be filed if you intend to keep paying a debt such as a car loan (Debtors statement of intention).
6. Exhale
It's going to be ok. Your 341 meeting will be fine if you follow these steps.
And once your bankruptcy is discharged, you'll feel a sense of relief you probably haven't felt in ages.
7. Advice from an expert attorney
Bankruptcy attorney Angela Low also recommends,
"Find and attorney that you are comfortable with and that will make time for you."
"Take notes during your meeting with the attorney. There will be a lot of information given to you, and if you do not take notes you may not remember later."
lastly on paperwork,
"Read and keep copies of what the court mails to you. It will have important information with regards to the court house address, and what you need to bring with you to the court hearing. Too often, people skip though the details and show up at the wrong place, and forget to bring proof of ID and their social security card or W2 form.
If you follow these tips, filing for bankruptcy can be a little less stressful. Good luck!
More Resources:
Links: US Federal Bankruptcy Court Resources
The Difference Between Chapter 7 and Chapter 13 Bankruptcy
May 5, 2011
When I filed for Bankruptcy in 2007, the main question was: Chapter 7 or Chapter 13.
The majority of individuals end up filing Chapter 7. Why? Well, it's cleaner than a 13, and most individuals don't have enough income to qualify for Chapter 13.
Ultimately, the judge can decide which number you file. If you have substantial assets and/or income and try to file a Chapter 7, when you could support a Chapter 13, the judge can change your filing to a Chapter 13.
In a Chapter 13 bankruptcy filing, court-ordered payments are setup to payoff some of your creditors over a set period of time. Chapter 13 filings account for about 30% of all individual bankruptcies.
In a Chapter 7 bankruptcy all debts are discharged (except student loans, child support, taxes, and a few other special circumstances). The large majority, 70%, of personal bankruptcies are Chapter 7′s.
I still feel strange about filing Bankruptcy. It's been over three years now since mine was discharged, and still only my family knows that it ever happened. I've never told any friends of mind about it. It's strange how little we talk about money and how difficult it is to know the real financial situation of people just by observation.
In the end I'm glad I filed Chapter 7. I would never have been able to afford payments post filing, and I no assets that I needed to keep. It worked out well in the end.


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NCAA Game Night: 1-18-13
No. 16 Cornell Big Red 3 @ No. 17 Union Dutchmen 2
D/W Kirill Gotovets, COR: 0-0-0, +2, 0 PIM, 0 SOG
Season totals: 14 GP, 0-0-0, +4, 8 PIM
Cornell scored twice in the third period to post a come-from-behind 3-2 win over Union. Kirill Gotovets is still looking for his first point of the year, but doubled his season plus/minus total to plus-4.
Harvard Crimson 0 @ No. 12 Yale Bulldogs 4
F Brian Hart, HAR: 0-0-0, -2, 0 PIM, 2 SOG
Season totals: 13 GP, 3-3-6, -2, 8 PIM
Yale outshot their rivals from Harvard, 39-21, en route to a 4-0 win on Friday night.
No. 8 Miami RedHawks 0 @ Wisconsin Badgers 1
F Jimmy Mullin, MIA: 0-0-0, E, 0 PIM, 0 SOG
Season totals: 20 GP, 2-6-8, -4, 10 PIM
Wisconsin got a late goal to top the visiting RedHawks, 1-0. Jimmy Mullin is back on the lower lines after filling in up top while Riley Barber was at the World Junior tournament with USA.
No. 6 North Dakota 1 @ No. 1 Minnesota Golden Gophers 5
F Brendan O'Donnell, UND: Did not play
Season totals: 19 GP, 1-5-6, -3, 12 PIM
G Adam Wilcox, MIN: Win, 24 saves on 25 shots, *Second Star*
Season totals: 22 GP, 16-2-3, 1.62 GAA, .927 sv%, 3 SO
Adam Wilcox (pictured, Univ. of Minnesota photo) continued his stellar play as a freshman, stopping 24 of 25 shots as top-ranked Minnesota beat rival North Dakota, 5-1. UND scored the game's first goal on the power play before the Gophers answered with five unanswered goals. Wilcox leads the WCHA in wins and his 2.04 GAA in conference play is second best. Friday was his 20th straight start. Wilcox has allowed three total goals against then No. 1 Boston College, then No. 2 Notre Dame, and against rival UND. Minnesota and UND face off again on Saturday. Lightning prospect Brendan O'Donnell should be back in the lineup for the second game; he's been a scratch on Fridays recently.
No. 10 Western Michigan Broncos 2 @ Bowling Green Falcons 3
D Luke Witkowski, WMU: 0-0-0, E, 0 PIM, 0 SOG
Season totals: 23 GP, 1-4-5, -2, 20 PIM
WMU outshot the Falcons 11-4 in the third period, but BGSU scored the only goal in the final frame to break a 1-1 tie and win the game, 2-1.
*USCHO poll used
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subset: commoncrawl


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ABC News has obtained video of George Zimmerman, the neighborhood watchman who shot and killed Trayvon Martin on February 26th in Sanford Florida.
Many have noted that no bruises or blood are seen in the video, though it should also be noted that it was taken after Zimmerman received medical attention at the scene.
There are no other visible signs of the fight, such as the grass stains mentioned in the police report.


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Two more days of the US Soccer Development Academy Winter Showcase are now in the books, and MLS academies continued to face off against their counterparts down in Florida.
On Sunday, the Crew Soccer Academy swept a pair of games against the New York Red Bulls. Brett Elder scored a brace for the Crew's U-18s in a 3-2 win, while the U-16s defeated New York 2-0, with goals by Michael McCloskey and Andrew McKelvey.
The Chicago Fire Academy also had a good day against fellow MLS club New England Revolution. Recent homegrown signing Kellen Gulley (pictured above) had a standout day for the Fire U-18s, scoring a brace in a 3-0 win.
The Fire U-16s then saw off the challenge from New England's U-16s by the same 3-0 score line.
In Monday's action, FC Dallas defeated Real Salt Lake-AZ in a pair of 1-0 wins. Daniel Garcia scored again for the U-18s, and midfielder Aaron Meyer found the back of the net for the FCD U-16s.
Sunday, Dec. 4
Colorado Rapids 3, NJSA 3
Crew 3, NYRB 2
D.C. United 2, Sockers FC 2
Chicago Fire 3, NE Revolution 0
Sporting KC 2, Baltimore Bays Chelsea 1
Colorado Rapids 1, NJSA 1
Crew 2, NYRB 0
D.C. United 2, Sockers FC 0
Chicago Fire 3, NE Revolution 0
Sporting KC 3, Baltimore Bays Chelsea 2
Monday, Dec. 5
LA Galaxy 2, Concorde Fire 2
Chivas USA 3, Houston Dynamo 1
Texans SC Houston 3, Vancouver Whitecaps 1
FC Dallas 1, Real Salt Lake-AZ 0
Seattle Sounders 1, McLean Youth Soccer 1
Andromeda 4, San Jose Earthquakes 1
Concorde Fire 3, LA Galaxy 1
Chivas USA 5, Houston Dynamo 0
Vancouver Whitecaps 2, Texans SC Houston 0
FC Dallas 1, Real Salt Lake-AZ 0
Seattle Sounders 3, McLean Youth Soccer 2
San Jose Earthquakes 3, Andromeda 1
Travis Clark covers D.C. United, college and youth soccer for MLSsoccer.com


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The Department of Linguistics and Communication Disorders brings together specialization in theoretical, experimental and applied linguistics with leading clinically based research on speech language pathology and communication disorders. We incorporate current research in these fields into teaching on our highly ranked graduate and undergraduate programs.
To reach us by public transportation, use the Q20A/B, Q44, or Q88 buses. Queens Hall is located at 65-21 Main Street (formerly the CUNY Law School). Visitors must enter using the rear entrance by walking around the south end of the building.
To reach us by walking from the main campus, exit from Gate 6 to Gravett Road (see map) and follow the signs to Queens Hall.
Mail to the department must be addressed to:
Queens Hall, Room 300A65-30 Kissena Blvd.Queens, NY 11367-1597
Program Director: Arlene KraatAdministrative Assistant: Eileen SpragueOffice: Gertz BuildingPhone: 718-997-2930 or 718-997-2946Fax: 718-997-2935
Associate Program Director and Graduate Admissions Coordinator: Patricia McCaulOffice: Gertz Building Phone: 718-997-2936
Undergraduate Program Coordinator: Karen BallOffice: Queens Hall 301C Phone: 718-997-2946
To reach us by public transportation, use the Q17, Q25, Q34, or Q88 buses. The Gertz Building is located between King Hall and Rathaus Hall on the northeast corner of the campus (see map). The entrance is behind the G Building.


text:
Title: Google Traduttore
Description: Il servizio online gratuito di Google traduce istantaneamente testo e pagine web. Il traduttore Google supporta: Italiano, Albanese, Arabo, Bulgaro, ...
translate.google.it is located on a US server with IP address: 220.127.116.11
translate.google.it gets 1.78M page visits per month from search engines via organic keywords. translate.google.it's SE organic traffic cost could be evaluated as $1.65M (this means the sum of money siteowner would pay for such traffic if it's bought in PPC systems).
Alpha directory pages: t tr


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Packed with the science content future teachers must know, and based on the premise that integrated learning by inquiry is the cornerstone of effective science teaching, theeleventh edition of this classic again focuses on the four developmental components of both teaching and learning-the why, what, how, and how well of teaching. Unique to this text are complete content outlines covering the big ideas of life, earth, and phyisical science. Teachers can use these outlines and sequence concepts to build science units with an assurance they will be complete.Victor, Edward is the author of 'Science Education K-8 An Integrated Approach', published 2007 under ISBN 9780131992108 and ISBN 0131992104.[read more]
You can find lots of answers to common customer questions in our FAQs
View a detailed breakdown of our shipping prices
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Still need help? Feel free to contact us
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With our dedicated customer support team, 30-day no-questions-asked return policy, and our price match guarantee, you can rest easy knowing that we're doing everything we can to save you time, money, and stress.


text:
Back to the repairs list
iPad AirGlass
Symptômes :
- - The touch glass doesn't respond or responds poorly
- - You can't use touch commands on some parts of the screen
- - Your touch glass is scratched
- - Your screen has a display defect and/or dead pixels (black dots)
The glass is one of the most fragile parts of your phone. That means you have to be very careful not to break it. Unfortunately, if your phone is knocked or banged hard several times or you drop it on its front, there's a good chance you may break the screen. Leaving it out in the sun for too long will eventually affect the display and can cause spots to appear on the screen. If it gets wet or is overexposed to humidity, it becomes oxidized and quickly unusable (and not just the touchscreen). What we will do: we'll replace the touch glass with a new one (same manufacturer's brand or performance specs).
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text:
Gallbladder Cancer: Frequently Asked Questions
Gallbladder Cancer: Frequently Asked Questions
What is the gallbladder?
The gallbladder is a pear-shaped organ found under the liver in the upper-right abdomen.
The gallbladder stores bile, a fluid made by the liver. Bile helps digest the fat in the food you eat. Bile is released from the gallbladder through a tube called the common bile duct. This tube connects the gallbladder and liver to the duodenum, the first part of the small intestine.
Do gallstones cause gallbladder cancer?
Gallstones are the most common risk factor for gallbladder cancer. About 3 out of 4 people with gallbladder cancer have gallstones at the time of diagnosis. Healthcare providers believe that large gallstones grow over a long time, irritating the gallbladder wall, causing inflammation and increasing the risk for gallbladder cancer. Although gallstones are common, very few people with them will get gallbladder cancer.
Who else is at risk for gallbladder cancer?
People who fit into these categories are at higher risk for gallbladder cancer:
Mexican Americans and American Indians
People who are obese
People who work in rubber plants or textile industries
People with bile duct abnormalities
People with a so-called porcelain gallbladder, which happens when the gallbladder wall contains calcium
People with cysts in the bile duct
Those with chronic typhoid and paratyphoid infection
Those with gallbladder polyps, especially ones that are larger than 1 cm (about one-half inch)
People with a family history of gallbladder cancer
Gallbladder cancer is not common, so just because you have 1 or more risk factors does not mean you will definitely get gallbladder cancer. In fact, you can have many known risk factors and still not develop the disease. On the other hand, you can have no risk factors and still get gallbladder cancer.
What are the symptoms of gallbladder cancer?
A: There may be no symptoms in the early stages. The signs and symptoms of gallbladder cancer are like those of gallstones or an inflamed gallbladder. Common symptoms include the following:
Pain or discomfort in the right side of the upper abdomen
A sense of fullness after eating
Nausea and vomiting
Loss of appetite
Loss of weight without trying
Yellowing of the skin (jaundice) or the white area of the eyes, called the sclera
How is the diagnosis of gallbladder cancer made?
If you're having gallbladder-cancer-like symptoms, your healthcare provider will ask you about your medical history, family history of cancer, and other risk factors. The healthcare provider will do a physical exam and may order X-rays and other tests.
Your healthcare provider may order either an ultrasound or a CT scan of your stomach. If these scans show any abnormality near the gallbladder, the healthcare provider may request a biopsy. A biopsy is the removal of a sample of tissue that a specialist looks at under a microscope to check for cancer cells. It's common for the biopsy to be done with the aid of a CT scan, which locates the tumor. This is called a CT scan-guided biopsy. Your healthcare provider inserts a needle into the tumor to take out some tissue. Sometimes a biopsy needs to be done in an operating room.
What does it mean when my healthcare provider talks about the stage of my gallbladder cancer?
Stage is the word healthcare providers use to describe the extent of a cancerous tumor as well as where and how far it has spread. The stage of the cancer affects the choices for treatment.
How is gallbladder cancer treated?
Gallbladder cancer may be treated in any of these ways:
Radiation therapy
A combination of the above
Surgery is a common treatment for gallbladder cancer if it is confined to the gallbladder or has spread only to areas directly around the gallbladder. The goal of surgery is often to take out all or as much of the tumor as possible. The whole gallbladder and surrounding tissues may have to be taken out. More extensive surgery may be done if your cancer is more advanced. Sometimes surgery is done to ease symptoms rather than to remove the whole tumor.
Chemotherapy uses drugs to kill the cancer cells that have spread beyond the gallbladder. It helps reduce the chance that the cancer will spread further.
Radiation therapy may be used after surgery, or it may be used instead of surgery to treat more advanced cancers (often along with chemotherapy). Radiation uses high-energy X-rays to kill cancer cells in a specific area.
Should I get a second opinion if I'm told I have gallbladder cancer?
Many people with cancer get a second opinion from another healthcare provider. There are many reasons to get a second opinion. These are some of those reasons:
Feeling uncomfortable with the treatment decision
Being diagnosed with a rare type of cancer
Having different options for how to treat the cancer
Not being able to see a cancer expert
How can someone get a second opinion?
There are many ways to get a second opinion:
Ask your primary healthcare provider. Your healthcare provider may be able to recommend a specialist. This may be a surgeon, medical oncologist, or radiation oncologist. Sometimes these healthcare providers work together at cancer centers or programs.
Call the National Cancer Institute's Cancer Information Service. The number is 800-4-CANCER (800-422-6237). This service provides information about treatment facilities, including cancer centers and other programs supported by the National Cancer Institute.
Seek other options. Check with a local medical society, hospital, medical school, or cancer advocacy group to get the names of healthcare providers who can give you a second opinion. Or ask other people who have had your type of cancer.
What is a cholecystectomy?
A simple cholecystectomy is an operation in which the gallbladder is taken out. A more extensive surgery called a radical cholecystectomy takes the gallbladder. It also takes out part of the liver nearby lymph nodes, and sometimes other nearby tissues or organs. The lymph nodes act as filters that help trap and remove cancer cells and other unwanted substances from the body.
What are clinical trials?
Clinical trials are studies of new kinds of cancer treatments. Healthcare providers and nurses conduct clinical trials to learn about how well new treatments work and what their side effects are. If a treatment looks promising, it is then compared with the current treatment to see if it works better or has fewer side effects. It is difficult to estimate the benefit that you may have from getting a new treatment. However, people who participate in these studies help further the understanding of cancer and help people who may develop cancer in the future.
March 21, 2017
Reviewed By:
Cunningham, Louise, RN,Welch, Annette, MNS, OCN


text:
Here's some of the detailed information about what we can parse and tell you about that user agent.
Don't forget: our user agent parsing API gives you more info than what you see here - it's freemium and really easy to use too!
Browse all LG H932 user agents
Report a problem with this user agent
Download our database of user agents
We hope this user agent parse information was helpful. If you'd like to integrate this kind of detection into your own systems; we have a powerful and easy to use API. You'll be able to connect it to your contact forms, customer signups, bug reports, error logs and more.


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A hospital-based practice in Minnesota is seeking a locum tenens gastroenterologist for weekend call coverage. The locum provider must be board certified in gastroenterology, with current BLS and ACLS certifications. Ideal coverage would be from 5 PM on Fridays to 7 AM on Mondays, but may be flexible. Candidates within driving distance preferred.
Dates Needed: May - ongoing
Provider Availability: 24-Hour Call
Assignment Type: Inpatient
Assignment Duration: Locums
Facility Type: Health System
Call Required: Yes
Board Certification Required: Yes
Patient Population: Adults
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Reference ID: ORD-052440-MD-MN
Job Posting ID: 956497
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text:
Discover Author
Jason Pinter Books & Biography
Throughout high school, Jason dreamed of becoming a screenwriter, and took jobs at various production companies to learn more about the film and television industry, including one (unpaid) stint at Jon Stewart's Busboy Productions. Jason is proud to say he was the inspiration for The Daily Show with Jon Stewart (at least in his own mind).
During his junior year in college, Jason decided he wanted to make the leap and become a writer. Heeding words of advice from his physician who'd written a book ("The first thing any writer needs is an agent"), he began querying literary agents. The physician neglected to mention that in order to get an agent, you needed to have an actual book. Needless to say, agents were not chomping at the bit to sign up Jason's non-book.
After a half-hearted attempt to find an agent for his, um, nothing, Jason decided it could be interesting to learn more about the publishing industry from the inside. Over the summer, he took an internship at a boutique literary agency in New York, where his first day on the job consisted of lunch at Mickey Mantle's restaurant with a renowned sportswriter. Ah, the glamorous world of publishing (cough).
Jason interned at the agency through the fall, racking up $726,374 in E-Z Pass fees while commuting from Connecticut to New York for work and to visit his girlfriend (who later became his wife).
After graduating, Jason took a job as an editorial assistant at a publishing house. It was during that time that he began writing his debut thriller, The Mark. Shockingly, it was easier to land an agent with an actual manuscript, and that agent eventually sold The Mark to MIRA Books in a three-book deal.
When not writing his acclaimed Henry Parker/Amanda Davies series, Jason still works as a book editor. He lives in New York City with his college-sweetheart-turned-wife, Susan, and their dog, Wilson. He is a member of International Thriller Writers and Mystery Writers of America, and a co-founder of Killer Year.


text:
BERKELEY — Chris Thomsen, who is serving as acting head coach at Texas Tech, will be Cal's new offensive line coach, according to the website CoachingSeach.com.
Thomsen, 42, was the Red Raiders' offensive line coach this season, then was promoted to lead the team Friday against Minnesota in the Meineke Car Care Bowl in Houston after coach Tommy Tuberville left Tech to become head coach at Cincinnati.
Kliff Kingsbury since has been hired as Texas Tech's permanent head coach.
The Lubbock (Tex.) Avalanche-Journal also reported the news that Thomsen will join Sonny Dykes' staff.
Thomsen spent seven seasons as head coach at Division II Abilene Christian, where he was 51-26, including the school's first undefeated regular season in 2008 since 1950.
He was Lone Star Conference South Division Coach of the Year four times in seven seasons and led the Wildcats to the NCAA Division II playoffs six times.
Thomsen left Abilene Christian for Arizona State after the 2011 season, then was hired at Texas Tech before coaching for the Sun Devils.
For more on Cal sports, see the Bear Talk blog at ibabuzz.com/beartalk. Follow Jeff Faraudo on Twitter at Twitter.com/CalBearsBANG.


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WTF Clip Of The Week: Woman In Tight Dress Slips On Butter For Twenty Minutes.. Talking About This Is Art!
The Butter Dance
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And I just received my numbered - 530 - copy today!
Only Focal made it to the book in terms of French manufacturers, with a very good interview of Jacques Mahul.
Cabasse is briefly mentioned in the "Oddities and Wonders" section! No trace of Elipson or Charlin, brands that were never exported to the USA and obviously of no or little interest to our American colleagues...
The book focuses mainly on famous American and British brands and is well structured, with many timelines and good stories, some unknown to me, like the fact that Lansing committed suicide over the threat of bankruptcy!
Beautiful photos and archival documents are smartly presented in a dynamic and clean format. I have started reading a few interviews of some of the still alive and famous designers and can't wait to go through all of them!
I will keep you posted on any other anecdote or piece of trivia that I will find interesting over the coming weeks.


text:
Jessica RamirezPromotions Manager, Contracting America
CV Graphics offers us excellent pricing that enables us to meet our budget and still save money, however it is their excellent customer service and the exceptional quality of the finished product that makes them a pleasure to work with.
Steve JohnsonSmall Business Owner
I go to CV Graphics for all my printing needs. I can depend on their fast service every time and excellent quality. I highly recommend CV Graphics!
Chula Vista Graphics and Printing - Clear Solutions For Your Business


text:
Перевод песни T.I. – Don't You Wanna Be High
Работает на технологии Яндекс.Переводчика
Ay, hey don't you wanna be hiiiiigh? Hey listen baby come fly with me, take a ride get high with me Ay, ay, I know you wanna be hiiiiigh You never wanna say bye to me, if you ever come fly with me Ay, hey don't you wanna be hiiiiigh? Hey listen baby come fly with me, take a ride get high with me Ay, ay, I know you wanna be hiiiiigh Promise you'll never say bye to me, and if you ever get high with me Let's go Okay the bucket's on tilt, truck is on stilts Just did another deal today, at least a couple mil' And I'm askin you to chill, wanna pass that down? I'm tryin to pick you up and never put ya ass back down Get rid of all your worries, why you draggin that around? Here, pop one of these, now pass that around Fire it up, take a shot, now ya ass in the clouds Can I bend you over? Throw your ass back down No need sayin no, we way past that now I ain't them other niggas, just control the flashback now Make three wishes, you can have that now And fuck the financin, payin cash right now Ay, miracle man make dreams come true Take a ride, get high, 'bout the time you come to I bet your life done changed, you likin my last name Done had a couple babies with a Bentley and a Range Crib on the water, eatin meals on a plane And your life in the sky like you lived on a plane With so much good shit to fill yo' brain If the band seem strange I'm just sayin You see me, chillin out kickin back in the ride With a, fly broad on the passenger side Got a, nice smile and immaculate eyes Before she, get inside she don't have to decide Cause she can have it how she want it, we can do it like that And then I went and threw it to her and she threw it right back She said nobody never gave it to her like that Hit it from the back, I figure you would like that Her head and tight pussy good like that And damn, she ain't even from the hood like that So she probably never really kicked it with a cool nigga Other niggas had her didn't know what to do with her Intimidated by her face and her cute figure Cause her waist real small but her ass way bigger Hope she know that if I want her I ain't finna play wit her All I gotta do is spend a day with her Hey, hey what it is pretty girl, would you like to Come and kick it with a nigga for a night or two? And you can take your clothes off if you like to And it don't matter 'bout the cost if I like you I just do it shorty, I ain't gotta try to Bust a move, bet ya I can satisfy you And me chase right behind you, why boo? I'm like you, know you fly but I'm fly too You know how I do it, always ride good Match the paint with the wheel, put the trunk in the hood You dealin with a real nigga, get it understood I'm still from the hood, even when in Hollywood With my beat down low and my top let back You lookin for a G, well you got just that Hey I can be your king, you can be my princess Baby all you gotta do is say yes


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When I was planning our 2012 summer family adventure, I was looking for something unique. Something a little more adventurous than the typical beach vacation and a way to expose my kids to some new experiences. I wanted my kids to do things that were beyond anything they could have ever imagined. Through hours of research and planning, I finally decided on Belize. Having already made a trip to this tiny country (minus the kids), I had a good idea of what to expect and thought that it would fit the bill for my active brood. I was right. The kids had a blast, enjoyed some amazing experiences, and even learned a bit along the way. Mission accomplished! Our adventures in Belize began in the jungle and continued with some "chillaxing" on the island of Ambergris Caye at the Coco Beach Resort.
Coco Beach was the perfect tropical family resort. Two bedroom condos, amazing pools (with an unbelievable climbing and sliding structure), swim up bar, and a staff that loved kids (or at least faked it really well). I will admit that Coco Beach was not the easiest place to get to. The trip started on the mainland, included a quick puddle jumper flight over to Ambergris Caye, a taxi to the dock, and lastly a quick boat ride to the resort. While getting to this tropical paradise was a little draining for me (ok, totally exhausting), it was all part of the adventure for the kids. They were totally fascinated with the 12 passenger plane and the a boat doubling as a taxi was totally amazing. The minute we arrived to Coco Beach, the torture of the long and hot day became a distant memory. This resort is fabulous!
With my kids being so programmed to associate beach vacations with boogie boarding, Belize was quite a surprise. To be honest, at first my kids were upset when realizing that Belize was not going to be like other beach vacations. There are no waves, so playing in the surf and boogie boarding was off the table. After about four thousand complaints about the no wave situation, the little monsters finally listened to all the other great things that Belize had to offer. Swimming with sharks, petting sting rays, spear fishing, sailing, and exploring the island on bikes or a golf cart. The kids were sold on Belize and never looked back. We spent the days keeping active and the evenings out exploring the town of San Pedro. Perfect combination of activity and relaxation!
Ambergris Caye (and the Coco Beach Resort) was total paradise for the whole family! By the way, if you're wondering…yes, that is my kid swimming with an 8 foot shark. No lack of adventure in Belize!


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With barely any competition and TV ratings almost matching last year's historic lows, Bruce Bochy and Major League Baseball reaped what they sowed.
In a low-scoring and boring contest, who wouldn't have wanted to see a Mariano Rivera vs. Yasiel Puig matchup?
At least man up, Bruce, and admit you left Puig off the roster because he's a Dodger. We can understand and almost forgive you for that. And to borrow a phrase from the Middle East peace talks, once again, Bud Selig and MLB have proven they never "miss an opportunity to miss an opportunity." Maybe David Stern will become the new marketing consultant for baseball when he steps down from the NBA this year.
Allan Kandel
Los Angeles
I cannot understand Clayton's Kershaw's concern for anything Bruce Bochy has to say. Bochy is just another journeyman baseball player who languished for years in San Diego. Then, for reasons unknown, he was hired to manage the Giants. Voila, now he's a genius.
Just enjoy yourself, Clayton. It will be over before you know it.
Alex Fernandez
There were two interesting moments in the TV coverage of the All-Star game:
Ex-Angel Torii Hunter giving a pregame pep talk to the AL players, and new Angels C.J. Wilson and Josh Hamilton in a "Head & Shoulders with Old Spice" commercial. Somehow, there's a message in there.
John Lane
Dear Mike Scioscia:
Once Joe Blanton is 2-16 or 3-18, will you then at least consider sticking him in the bullpen where he can't do any more damage?
Bruce Liebman
Los Angeles
Just think how much better off the Angels would be if they had kept Torii Hunter, Jean Segura and Patrick Corbin, and not signed any of those overpriced free agents.
Greg Fuller
Santa Monica
It was so refreshing to hear how excited and proud Ricky Nolasco was to join the Dodgers, his "team" growing up. Too bad Ned Colletti can't fill the other 24 roster spots with players with similar ties to Dodger Blue. Maybe then it would be the Dodgers winning pennants instead of the hated Giants.
Ken Blake
Lakers nostalgia
The Lakers were trying to sell Dwight Howard and the Lakers' fans on an organization that is no longer what it once was. Mitch Kupchak is good but no Jerry West. Jim Buss is certainly no Jerry Buss. Mike D'Antoni shouldn't be mentioned in the same breath with Phil Jackson. The Lakers, even with Howard, would not be as formidable as the Kobe/Shaq or Kareem/Magic teams. Even the TV and radio announcers are average at best.
Sure, Los Angeles is a great place to live and play, but if I'm making $20 million a year I'm still living pretty good in Houston. Dwight Howard is a good, maybe great, player, but he is not the answer to what ails the Lakers.
Wil Laurent
La Habra
Now that the Lakers are bringing back Jordan Farmar and possibly Lamar Odom to remind fans of the way we were, I think they should go all in. Instead of having Kurt Rambis coach, let him put on those short shorts and play.
Richard Katz
Los Angeles
Someday Phil Jackson's grandkids will come out of the NBA Hall of Fame and say: "We are so proud of Grandpa, but what's up with Grandma Jeanie's brother Jim?"
Russ W. Bill
Fountain Valley
Golden State has four bright young stars. How many do the Lakers have?
Except for St. Pau, how many NBA players want to play with Kobe?
Same answer.
Mark Dubay
Mission Viejo
I keep thinking it's April Fools Day, I can't say I understand what the Lakers are doing. I'll know this plan is from another world when they bring back everyone's favorite "space cadet." Earth to Vlad Radmanovic —- where are you?
Chris Gagliano
Rancho Palos Verdes
Dustin time
The Ducks' signing of Dustin Penner would be like if the Angels decided to sign another no-talent slug, like, say, Joe Blanton.
Mike Reuben
Anaheim Hills
What a coincidence that Dustin Penner "always wanted to come back" to the Ducks. After the Kings paid him $3.25 million last season for his two goals scored, I couldn't wait for him to leave.
Andrea Lacker
El Segundo
No Tiger fan
Any interest in Tiger Woods' pursuit of Jack Nicklaus' 18 major championship titles is a figment of sportswriters' imaginations. Tiger is better remembered for bringing in new fans who yell "you da man" and "in the hole," cursing on camera, smashing clubs into the ground, throwing his family under the bus, and wearing the same clothes every Sunday.
Kevin H. Park
The cable is out
What is the most annoying sound? It's not fingernails on a chalk board, a crying baby on a plane or even Jim Carrey in "Dumb and Dumber."
It is Chris Berman saying, "back back back back back back" at the home run derby. He needs to be back back back GONE!
Mark Holub
Diamond Bar
Theatre of the absurd: Keith Olbermann (who swore he'd never, ever go back!) is returning to ESPN (which swore he'd never, ever come back!).
Let me guess, his new talk show is called "When Hell Freezes Over"?
Steve Ross
New York
Feeling dopey
Was it just a coincidence that Tuesday's sports section had the two pieces on drug use in track on the same page as the story on the Tour de France? Just asking.
Andrew Rubin
Playa Vista
The Los Angeles Times welcomes expressions of all views. Letters should be brief and become the property of The Times. They may be edited and republished in any format. Each must include a valid mailing address and telephone number. Pseudonyms will not be used.
Mail: Sports Viewpoint
Los Angeles Times
202 W. 1st St.
Los Angeles, CA 90012
Fax: (213) 237-4322


text:
Speed, torque, and horsepower are three inter-related parameters in motor control. The speed of a motor, measured in revolutions per minute (rpm), defines a motor's ability to spin at a rate per unit time. The torque of a motor, measured in foot-pounds (ft-lb), is a rotational characteristic of the motor that is the algebraic product of force multiplied by distance. Electrically, one horsepower is equal to 746 watts. What is interesting about these motor parameters is that if you change one of the three variables, the other two are affected. For example, if you increase horsepower while keeping speed constant, torque increases.
An electric motor is a device that converts electrical energy into mechanical energy. An electrical signal is applied to the input of the motor, and the output of the motor produces a defined amount of torque related to the characteristics of the motor. It's important to understand speed-torque characteristic curves as they show the relationship between speed as a percent of rated speed, versus load torque as a percent of full rating. Motors are available in multi-speed configurations that can provide constant torque variable horsepower, constant horsepower variable torque, and variable torque variable horsepower.
Traditionally, DC motors have been used in precise speed control applications because of their ability to provide acceleration and deceleration from a dead stop position to full speed fairly easily. You control the speed of a DC series motor (the field is in series with the armature) by increasing or decreasing the applied voltage to the circuit. In a DC shunt motor (the field is in parallel with the armature), the speed is controlled by increasing or decreasing the applied voltage to the shunt field or armature by means of a field rheostat or an armature rheostat. Silicon-controlled rectifiers (SCRs) have replaced rheostats as they can control large blocks of power without the heat dissipation problems of carbon- or wire-wound variable resistors. Additionally, SCRs are much smaller in size than their earlier counterparts and interface well with programmable logic controllers.
The AC squirrel cage induction motor is essentially a constant speed device. The speed of the rotating magnetic field is referred to as synchronous speed. The synchronous speed (S) of a motor is defined as: S = 120(F) ÷ P, where (F) is the incoming line frequency and (P) is the number of poles the machine is constructed of. Here's an example to help illustrate this point.
In the United States, the AC line frequency is 60 Hertz. A 4-pole AC squirrel cage induction motor would therefore have a synchronous speed of 1,800 rpm [(120 × 60) ÷ 4]. In practice, the motor will run at less than 1,800 rpm as load is placed on the rotor. This difference in speed between synchronous speed and full load speed is referred to as slip, usually expressed as a percentage. Note that the only two variables in this equation that define speed are the incoming line frequency and the number of poles in the machine. Because the number of poles in a machine is fixed, the only variable that's left to change is the incoming line frequency — this is the basis for operation of a variable-frequency drive (VFD).
It's important to understand the difference between the AC and DC machine at this point. Earlier, we mentioned a DC machine could have its speed changed by increasing or decreasing the applied voltage. This is not the case for an AC motor. In fact, you can damage an AC squirrel cage induction motor if you vary the incoming supply voltage.
The term VFD is often used interchangeably with AC drive, inverter, or adjustable-frequency drive (AFD). The two most common circuits for adjusting the speed of an AC squirrel cage induction motor are the inverter and the cycloconverter.
Using an inverter, the VFD does two things: First, it takes the incoming AC signal and converts it to a DC signal through a process known as rectification; next, it takes the rectified DC signal and inverts it back to a variable voltage and variable-frequency AC signal. An inverter takes a waveform like a rectified DC signal and generates an equivalent time-varying waveform resembling a sinusoid. A block diagram for an inverter type VFD is shown in the Figure (click here to see figure).
The VFD using a cycloconverter is a device that produces an AC signal of constant or controllable frequency from a variable-frequency AC signal input. The output frequency is usually one-third or less than the input frequency. The cycloconverter type of VFD is normally used with larger motors or groups of motors.
Typical specifications you might encounter with an inverter-type VFD are listed below.
Horsepower: 1 to 10 hp @ 230V
Input frequency: 50/60Hz
Output frequency: 0 to 120Hz standard, 0 to 400Hz jumper selectable
Frequency setting potentiometer: 10k 1/2W
Ambient temperature: 0 to +40°C
Control method: PWM (pulse width modulation)
Transistor type: IGBT (insulated gate BJT)
Analog outputs: assignable
Digital outputs: opto-isolated assignable
Terminal strips present on the VFD allow the device to interface to the outside world with familiar switching devices such as start, stop, forward run, and reverse run. Instead of using a 3-wire control circuit to start and stop a motor with momentary contact devices, the electronics of the drive control all those familiar operations.
Normally, the VFD also has a backlit liquid crystal display that shows a variety of motor operational parameters that are fully programmable by the user. Solid-state devices, such as the silicon-controlled rectifier, triac, and insulated gate bipolar junction transistor, have allowed the VFD to become the method of choice for AC motor speed control.
Vidal is president of Joseph J. Vidal & Sons, Inc., Throop, Pa.


text:
The great magics of the past have become the great cars of the present.
A group of individuals* gather up and search for, "The rod of Lordly Might." Here's the catch, no just any individual is welcomed. There will be a meeting on sundown* in an old bar. As it is, a war is going on between the Eastern Front, and the Western Front. The bar/tavern is in the middle of both lands.
On the same night of the meeting, there's another meeting with the Red Rose (Eastern) and the Black rose (Western).
Once on the mission, there will be other individuals met and given information... there will not be an easy destiny, but nonetheless and adventure to remember.
I used INDIVIDUALS for the fact that you can be any species (just keep away from the elemental and supernatural creatures.). Here are some suggestions: Vampire/ress, Adhiel (Elf), Half-Adhiel (Half-Elf), Orc, Human, Half-Human...
Please do not be: Orc, Troll, Frost/Forest/Urban/Dessert Monsters, Giants, and Titans. Note that you can still be one, just preferably not one.
I used SUNDOWN for a realistic reason (Vamps, Giants, and others meet at night). You don't meet someone who works for the Eastern/Western Kings during the day. I expect some drunks, bar fights, and bloodshed in the story. Mild or no Language is acceptable (unless unexceptable by the MODS).


text:
Mumps is a virus infection of the parotid glands, two of the six salivary glands that are just below and in front of the ears. This contagious condition, spread by respiratory droplets, is commonly between the ages of 3 and 6.
It has an incubation period of 14-24 days. The common symptom picture includes fever, swelling of the parotids, achiness, restlessness. The jaw may become stiff because of glandular swelling but with only mild pain. Testicular involvement occurs in up to one fifth of males, especially older patients, and can lead to sterility. Mild meningitis with headache or stiff neck is, unfortunately, not rare. Any development of a painfully stiff neck or severe headache calls for immediate professional help.
Mumps can look very alarming due to the swelling of the parotids, changing the child's appearance quite dramatically, but is not too serious.
Actions indicated for the processes behind this disease
Anti-microbials are the key to successful clearing of the infection.
Lymphatic Alteratives are crucial in helping the effected glands.
Hepatics will help if there is associated constipation. These should be very mild.
Anti-inflammatories & Demulcents may be helpful in alleviating the pain and discomfort in the throat.
Galium aparine --- --- --- 3 parts
Echinacea spp. --- --- --- 3 parts
Urtica dioica --- --- --- 2 parts
Phytolacca decandra --- --- --- 1 part to -- -- -- 5 ml of tincture three times a day
Infusion of equal parts Nepeta cataria and Trifolium pratense drunk often.
Anti-microbials (Echinacea spp.)
Lymphatic (Galium aparine, Echinacea spp., Phytolacca decandra)
Alteratives (Galium aparine, Echinacea spp., Urtica dioica, Phytolaccadecandra)


text:
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Yamaha Raptor 700R SE 2010
2010 Yamaha Raptor 700R SE specifications, pictures, reviews and rating
2010 Yamaha Raptor 700R SE. Picture credits - Yamaha. Submit more pictures.
|Yamaha's profilation of this bike
|A radical appearance package, wave-style rear brake disc, GYTR® front grab bar and heel guards. Sport-tuned piggyback shocks provide longer stroke for excellent sport-riding comfort, and are fully adjustable with convenient adjustment knobs to fine-tune the ride.
|General information
|Yamaha Raptor 700R SE
|59.7 out of 100. Show full rating and compare with other bikes
|Price as new (MSRP):
|US$ 8799. Prices depend on country, taxes, accessories, etc.
|Engine and transmission
|686.00 ccm (41.86 cubic inches)
|Engine type:
|V2, four-stroke
|Bore x stroke:
|102.0 x 84.0 mm (4.0 x 3.3 inches)
|Valves per cylinder:
|Fuel system:
|Injection. Yamaha Fuel Injection (YFI), 44mm
|Fuel control:
|Single Overhead Cams (SOHC)
|16-Bit ECU
|Cooling system:
|Transmission type,
final drive:
|Chassis, suspension, brakes and wheels
|Front suspension:
|Independent double wishbone w/piggy back High-/Lo-speed compression, rebound and threaded preload adjustment, 9.1-in travel
|Rear suspension:
|Cast aluminum swing arm w/rebound, High-/Lo-speed compression and threaded preload adjustment, 10.1-in travel
|Front tyre:
|Rear tyre:
|Front brakes:
|Double disc
|Rear brakes:
|Single disc
|Physical measures and capacities
|Weight incl. oil, gas, etc:
|191.4 kg (422.0 pounds)
|Seat height:
|813 mm (32.0 inches) If adjustable, lowest setting.
|Overall height:
|1,130 mm (44.5 inches)
|Overall length:
|1,844 mm (72.6 inches)
|Overall width:
|1,171 mm (46.1 inches)
|Ground clearance:
|112 mm (4.4 inches)
|1,280 mm (50.4 inches)
|Fuel capacity:
|10.97 litres (2.90 gallons)
|Other specifications
|Color options:
|Further information
|Insurance costs
|Get a US insurance quote from Progressive.
|Parts finder
|Chaparral provides online schematics & OEM parts for the US. 2Wheels offers first time 2Wheels buyers $10.00 off now. Same day shipment to the US. CMSNL ships low cost OEM motorcycle parts to Australia, Austria, Bahamas, Belgium, Canada, China, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, India, Ireland, Italy, Japan, Kuwait, Latvia, Lithuania, Luxembourg, Macedonia, Malta, Montenegro, The Netherlands, New Zealand, Norway, Poland, Portugal, South Africa, Spain, Sweden, Switzerland, Taiwan, Ukraine, United Kingdom, The United States and more. Also check out our overview of motorcycle webshops at Bikez.info.
|ATV parts
|Sixity.com sells ATV parts with free shipping to the US.
|Ask questions
|Join the 10 Yamaha Raptor 700R SE discussion group or the general Yamaha discussion group.
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|List related bikes for comparison of specs.
Sell or buy used bikes?Bikez.biz has an efficient motorcycle classifieds. Ads are free. Click here to sell a used 2010 Yamaha Raptor 700R SE or advertise any other MC for sale. You can list all 2010 Yamaha Raptor 700R SE available and also sign up for e-mail notification when such bikes are advertised in the future. Bikez has a high number of users looking for used bikes. Before you buy this bike, you should view the list of related motorbikes Compare technical specs. Look at photos. And check out the rating of the bike's engine performance, repair costs, etc.
|Rating sample for this Yamaha bike
Engine performance for the 2010 Yamaha Raptor 700R SE:
(63.3 out of 100)
Click here for complete rating. You can also compare bikes.
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Welcome to Makaira!We are privately located on the tip of Ucuilagi Point. Translated into English from the original Fijian name, Ucuilagi means 'Heavenly Point'. The original Fijians aptly named this bit of paradise, as it is the only location in Matei that has stunning 180-degree panoramic ocean views, overlooking the Somosomo Strait and our neighboring islands across the way. We are on a point above the best and largest white sandy beaches in Matei (one of them is extremely private). Some of the best offshore snorkeling in the world is within 100 feet of your first step into the cool, calm lagoon directly below us. The property graces four acres with manicured gardens filled with tropical flowers, fruits, and native birds.
We offer 3 private accommodations ideally suited for the traveler who just wants to get away from the crowds and find fun and romance, but still wants the care and amenities one would expect at a resort. Experience the magic of Makaira and join our band of loyal returnees.
We offer 3 private accommodations ideally suited for the traveler who just wants to get away from the crowds and find fun and romance, but still wants the care and amenities one would expect at a resort. Experience the magic of Makaira and join our band of loyal returnees.
We strive to give our guests the best of both worlds; the privacy of a homestay with the amenities of a resort at an affordable price, so they can design their vision of their holiday. Each of our accommodations include 24-hour power, Wi-Fi for email downloads, private phone with free local calls, and a DVD player with hundreds of free movies. Indoor hot water shower/bath with panoramic views. They include bath soap, shampoo, conditioner, towels, linens and beach towels. Outside is a cool and refreshing semi-enclosed rock shower, accented by a tropical garden. Cook up a simple meal on the deck kitchenette complete with it's own gas burner stove top, refrigerator and utensils. Alternatively, you can dine in our galley restaurant. We also provide an electric stand-up fan, screened windows and a mosquito net. A daily maid service and full-time Fijian staff and a concierge is on standby to look after your special needs. The staff will gladly do a load of your personal laundry for you for a cost of $10.00FJD (that you pay to them directly). Free transfers to and from the Matei airstrip on Taveuni.
Room typesMakaira offers you the choice between three lovely accommodations (bures) each with their own character to satisfy anyone's taste and budget and designed to capture the million dollar ocean views. They are set on a minimum of a half an acre providing guests optimum privacy. The Ocean View Villa is the third and final addition to Makaira and our crowning jewel designed for a special honeymoon or for groups up to 4 people. It is 1000sq feet with a split level open design. The spacious master bedroom and bathroom are on the upper level. The Master bathroom is 200sq feet, with an open shower, and a separate massive bathtub overlooking an enclosed secret garden terrace with a refreshing outside rock shower. The master bedroom suite is spacious with a king size bed and sectional couch, Three steps down takes you to the lower level with cathedral ceilings, a kitchenette, dining table for 6 and two day/twin beds. From there you walk out onto your deck with your own private dipping pool.
The Grander Suite is a spacious 865sq ft with a master bedroom, king size bed and a separate living room that can also double as another sleeping area. Each room enjoys ocean views. Screen doors open up to a large deck with hammocks. It is decorated with imported tiles, wood ceilings, rich fabrics and local arts and crafts.
The Marlin Bure is our original cottage and perfect for couples on a budget that want to enjoy the beauty of Makaira. The cottage has an antique ambience to reflect the Fiji of yesteryear, except with modern conveniences. It is a cozy 532sq ft with a spacious master bedroom and queen size bed, large bathroom with a hot water shower/bath. It also has a patio with cooking facilities, a dining area and a private dipping pool.
- Complimentary airport pick up
- Fridge (in room)
- Restaurant
- Tour Desk/Activities Office
- Wi-fi
Our activitiesLet's go fishing on Makaira's custom built 32ft; with GPS, electronic fish finder,depth recorder and a 150mile range approved CC for any type of fishing your heart desires. Or go for a guided snorkel tour to some fabulous out of the way reefs. Rent our two fishing kayaks for a fun day of fishing or cruising on our glass bottom kayak. Let's go outside and have some free Makaira play time. Relax by the dipping pool or grab some snorkel gear and swim the reef with guided tours or an afternoon of reef gardening. It is fun and addictive! Enjoy a fun kava night with our gang playing music but be prepared to be utterly charmed by them all. Go on beautiful waterfall hikes, play on our natural waterslide during your west coast tour to the International Dateline and Catholic Church, or perhaps a horseback trail ride for sightseeing. Ask about our dive specials. There is so much to do!
- Kava ceremony
- Kayaks
- Snorkelling
DiningBy popular demand we now have a restaurant for our guests. Meals are made upon reservation and we offer breakfast and dinners and primarily specialize in fresh healthy cuisine and seasonal menus. Much of our fruits and vegetables are grown organically on the property. Just let the chef know if you have any food allergies and he will cater to your special needs. If you plan to dine with us a lot, bring some elastic pants so you have something to wear back home after our huge meal portions! Most guests have leftovers for their lunch. If you love curries, on weekends you can order a fabulous catered Indian dinner or if we have 4 guests or more our staff are more than happy to put on a lovo or Barbeque night for you for an authentic Fijian night. Remember your accommodations are also self- contained for simple meal preparation. There is no way you will suffer the ill effects of starvation at Makaira.
ContactThe quickest way to get here is via our inter-island carrier - 1hr and 20min flight. If you would like to take the slow boat to Taveuni, Goundar Ferry leaves Suva twice a week and it will take about 20 hours to get here.
Remember we provide free airport transfers, so just let us know what time you are arriving and we will come and meet you.
For more information visit our website www.fijibeachfrontatmakaira.com or drop us an email at email@example.com
PO Box 47M Taveuni Fiji


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Our luxuriously soft beach towels are made from brushed microfiber with a 100% cotton back for extra absorption. The top of the towel has the image printed on it, and the back is white cotton. Our beach towels are available in two different sizes: beach towel (32" x 64") and beach sheet (37" x 74").
Don't let the fancy name confuse you... a beach sheet is just a large beach towel.
Care Instructions
Machine wash cold and tumble dry with low heat.
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Jeff Swan, I am delighted that you made this photo one of your favorites!
Very nice
Madeline Ellis replied:
Thanks, Jeff!
Average Rating (4.60 Stars):
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Beautiful majestic mountains of Halong Bay, Vietnam. This is a double image effect.
At 12 yrs. old I was fascinated by this little box called a camera. If you pressed the button and brought the negatives to a drugstore, one week later photos would be returned in its' place. I didn't understand this magic. When I was old enough, I studied photography at Brooklyn College. I found that if I put my negatives in a thing called an enlarger a shadow would appear on photo paper. When I dropped that paper in some chemicals, a picture would emerge. Wow! I was hooked and so I studied at the International Center Of Photography. Now, I take a photo, plug my camera into my computer and the photo I just took pops up on my screen. Times have changed. I have had four one woman shows and one group show in Manhattan. It was an...
Our return policy is very simple:
If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
All beach sheets ship from our production facility within 1 - 2 business days of your order.


text:
Anna Kendrick is a newly-minted blonde bombshell. The 27-year-old Pitch Perfect actress recently dyed her hair blonde, but admits she's still adjusting to her shocking transformation.
"Had to dye my hair for a film. Keep getting spooked when I pass reflective surfaces," the former brunette joked on Twitter Tuesday, April 9. "Now I know how puppies feel."
On April 11, she shared a black and white picture on Instagram of her long blonde hair concealing her face. She joked, "Debuting my new hair color in B&W in case any of my followers are colorblind. Or dogs."
But the Oscar-nominated actress doesn't plan to stay a blonde for long. She added, "So strange. Just until we wrap."
Unfortunately, Kendrick's new blonde 'do may not be making its red carpet debut Sunday at the 2013 MTV Movie Awards. Though the cast of Pitch Perfect is set to join former costar and host of the show Rebel Wilson in a special opening act number, Kendrick may not be joining them.
A rep for the actress told the Huffington Post that Kendrick will not be attending because she's filming The Last Five Years in NYC.
Though she won't be joining the Pitch Perfect reunion, fans can still enjoy watching Kendrick's new music video for the "Cups" song from the 2012 musical comedy. The video premiere Friday at 4:30 PST on Vevo, and Kendrick tells Us that she was surprised the short song became a radio hit.
"They've added some instrumentation which is really cool and vibing off the whole Mumford and Sons kind of sound," she says. "They'd originally looped my voice doing the choruses which really bugged me, so I begged them to let me go re-record it so it didn't sound creepy and repetitive."
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text:
|Oracle Call Interface Programmer's Guide
Release 9.0.1
Part Number A89857-01
OCI Relational Functions, 34 of 39
This call associates an application request with a server.
sword OCIStmtExecute ( OCISvcCtx *svchp, OCIStmt *stmtp, OCIError *errhp, ub4 iters, ub4 rowoff, CONST OCISnapshot *snap_in, OCISnapshot *snap_out, ub4 mode );
Service context handle.
An statement handle. It defines the statement and the associated data to be executed at the server. It is invalid to pass in a statement handle that has bind of data types only supported in release 8.x or later when
svchp points to an Oracle7 server.
An error handle you can pass to
OCIErrorGet() for diagnostic information in the event of an error.
For non-
SELECT statements, the number of times this statement is executed is equal to
iters -
SELECT statements, if
iters is nonzero, then defines must have been done for the statement handle. The execution fetches
iters rows into these predefined buffers and prefetches more rows depending upon the prefetch row count. If you do not know how many rows the
SELECT statement will retrieve, set
iters to zero.
This function returns an error if
iters=0 for non-
SELECT statements.
The starting index from which the data in an array bind is relevant for this multiple row execution.
This parameter is optional. if supplied, must point to a snapshot descriptor of type OCI_DTYPE_SNAP. The contents of this descriptor must be obtained from the
snap_out parameter of a previous call. The descriptor is ignored if the SQL is not a
SELECT. This facility allows multiple service contexts to ORACLE to see the same consistent snapshot of the database's committed data. However, uncommitted data in one context is not visible to another context even using the same snapshot.
This parameter optional. if supplied, must point to a descriptor of type OCI_DTYPE_SNAP. This descriptor is filled in with an opaque representation which is the current ORACLE "system change number" suitable as a
snap_in input to a subsequent call to
OCIStmtExecute(). This descriptor should not be used longer than necessary in order to avoid "snapshot too old" errors.
The modes are:
OCIStmtExecute() in this mode executes the statement. It also implicitly returns describe information about the select-list.
OCIStmtExecute() in this mode does not execute the statement, but it does return the select-list description. To maximize performance, it is recommended that applications execute the statement in default mode and use the implicit describe which accompanies the execution.
The modes are not mutually exclusive and can be used together, except for OCI_STMT_SCROLLABLE_READONLY.
This function is used to execute a prepared SQL statement. Using an execute call, the application associates a request with a server.
If a
SELECT statement is executed, the description of the select-list is available implicitly as a response. This description is buffered on the client side for describes, fetches and define type conversions. Hence it is optimal to describe a select list only after an execute.
|See Also:
Also for
SELECT statements, some results are available implicitly. Rows will be received and buffered at the end of the execute. For queries with small row count, a prefetch causes memory to be released in the server if the end of fetch is reached, an optimization that may result in memory usage reduction. Set attribute call has been defined to set the number of rows to be prefetched for each result set.
SELECT statements, at the end of the execute, the statement handle implicitly maintains a reference to the service context on which it is executed. It is the user's responsibility to maintain the integrity of the service context. The implicit reference is maintained until the statement handle is freed or the fetch is cancelled or an end of fetch condition is reached.
If output variables are defined for a
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All Rights Reserved.