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Figuring out what to do with a house that has a mortgage on it after divorce can be daunting. This is a question that comes up at a time when your life is probably in turmoil and the last thing you want to do is deal with a mortgage.
When it comes to the mortgage it can mean that the division of the equity in it has to be determined. Then it may mean trying to decide whether the home is to be sold or not. There may also be liabilities regarding the home that have to be dealt with.
What Are the Responsibilities for the Mortgage after Divorce?
Responsibilities for the mortgage after divorce are not something that most people deal with on a regular basis. It is understandable why there would be so many questions that arise pertaining to it.
One of the common questions is whether the house has to go through a sale so the equity can be divided. There is an alternative to this where one party can buy out the other. If this is the route that is taken, usually the spouse that is going to buy the home will have to go through a mortgage assumption so they can pay the other spouse their share of the equity.
What has to be decided quickly when it comes to dealing with the mortgage after divorce is who is going to be responsible for paying it.
Who Will Pay the Mortgage?
If the mortgage has been held jointly then legally both spouses are equally responsible for making payments. If the mortgage is not paid, the lender can come after both parties.
During the divorce agreement, it should be legally determined who is going to assume the mortgage payment responsibility. There are times where agreements are made between a couple to just transfer the title to the other partner. This can be done with a quit claim deed.
This means the party signing over their ownership will no longer have any claims to the property. That does not mean that the spouse giving up their rights to the property is no longer responsible for the mortgage after divorce.
To prevent this there has to be a transfer of liability. This can be done by the spouse who is taking ownership by taking on a mortgage assumption or arranging for a loan modification after divorce.
In most cases, the better route to take is to assume the mortgage which will then have the responsibility for paying it moved over to the spouse who is going to keep the house.
This will only work if the spouse applying for the mortgage assumption meets the criteria put in place by the mortgage lender. If this is the case then it may be possible to obtain a home equity loan for refinancing.
What If the Value of the Home Is Lower Than the Mortgage?
Not every couple going through a divorce is going to make a profit from the sale of the home, and that selling it will clear off the mortgage. There are times where the value of the home is lower than the mortgage.
If the buyout partner cannot qualify for a loan modification after divorce or come up with other ways to buy the house then it creates a difficult situation.
What could possibly be arranged is putting off the buyout or selling the house. It means an agreement would have to be reached to this effect by the two spouses.
If you are trying to sell your Norman house after a divorce, House Kings will give you a cash offer in as soon as 24 hours! To get your cash offer, or to get answers to any questions you have, call us at 405-233-8831. There are no obligations in contacting us!


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FDA Statement
Statement by FDA Commissioner Scott Gottlieb, M.D., on the importance of conducting proper research to prove safe and effective medical uses for the active chemicals in marijuana and its components
- For Immediate Release:
- Statement From:
Scott Gottlieb, M.D.
Over the past decade, we've seen a growing interest in the development of therapies derived from marijuana and its components. Proponents of "medical marijuana" advertised its uses for a wide number of medical conditions, such as cancer, multiple sclerosis, post-traumatic stress disorder and anxiety – just to name a few of the touted conditions. The FDA has been supportive of research in this area for many years. But marijuana is a Schedule I compound with known risks. Research to demonstrate that marijuana or its components could be safe and effective in the treatment of medical disorders should be held to the same standard as other drug compounds. And certainly it should not be held to a lower standard, as some proponents would suggest. The FDA has an active program to assist drug developers who want to investigate marijuana or its components through properly controlled clinical trials, to demonstrate the potential for safe and effective uses.
Today, the FDA approved a purified form of the drug cannabidiol (CBD). This is one of more than 80 active chemicals in marijuana. The new product was approved to treat seizures associated with two rare, severe forms of epilepsy in patients two years of age and older.
This product approval demonstrates that advancing sound scientific research to investigate ingredients derived from marijuana can lead to important therapies. This new treatment provides new options for patients.
This is an important medical advance. But it's also important to note that this is not an approval of marijuana or all of its components. This is the approval of one specific CBD medication for a specific use. And it was based on well-controlled clinical trials evaluating the use of this compound in the treatment of a specific condition. Moreover, this is a purified form of CBD. It's being delivered to patients in a reliable dosage form and through a reproducible route of delivery to ensure that patients derive the anticipated benefits. This is how sound medical science is advanced.
So today, in addition to celebrating this scientific achievement and the medical advance that it represents for these patients and their families, we should also reflect on the path that made this possible. It's a path that's available to other product developers who want to bring forth marijuana-derived products through appropriate drug development programs.
That pathway includes a robust clinical development program, along with careful review through the FDA's drug approval process. This is the most appropriate way to bring these treatments to patients. This process also includes a review of the purity of a new drug and manufacturing controls. Before a high-quality drug can be developed, evaluated, and eventually approved by the FDA; it's critical that the necessary work is done to identify drugs of potential medical benefit and conduct rigorous scientific research through adequate and well-controlled clinical trials. This is true for all drugs, including ones derived from plant materials, like marijuana. And the FDA remains committed to collaborating with federal and state agencies, researchers and product developers on advancing this type of important and conscientious work.
This research process – from early development through preclinical and clinical research – gives us a comprehensive understanding of a new drug. That includes an understanding of whether the new product is safe and effective for treating a particular medical condition, what the proper dosage is and for what populations it is safe and effective, how the new compound could interact with other drugs, or whether the new drug has side effects or other safety concerns.
This work also helps product developers identify the appropriate dosage needed to achieve the desired therapeutic effect while minimizing toxicity and risk. Taken in totality, the scientific evidence generated by these studies forms the basis of the FDA's evaluation of benefit versus risk. And it's because of this careful, scientific and evidence-based evaluation by the FDA that health care providers can rely on having a quality product that delivers a consistent, uniform dose of an effective medication that is able to deliver a predictable treatment to patients. This is especially important when considering treatment for serious medical conditions that will be utilized in the clinical care of patients who may have any number of health vulnerabilities. The purified form of the drug CBD approved today by the FDA has been shown to meet these rigorous standards.
Research on the therapeutic effects of marijuana and its components involves a number of federal agencies in addition to the FDA, including the National Institute on Drug Abuse, part of the National Institutes of Health, and the Drug Enforcement Administration.
The FDA has taken several specific steps to support this research.
We meet regularly with researchers as they plan and carry out their trials. We have also formed a Botanicals Team that provides scientific expertise on botanical issues for researchers developing drugs derived from plants, such as marijuana. That team published guidance for industry on clinical studies involving botanical drugs, as well as quality controls for lot-to-lot consistency. In recent years, the agency also has recommended to the DEA the approval of several hundred Schedule I research protocol licenses for research on marijuana or its constituent compounds.
Additionally, the FDA also works with companies to provide patients access to experimental therapies while clinical trials are ongoing through expanded access provisions. These approaches help protect patients while also allowing for the collection of data necessary to support the FDA approval of safe and effective therapies for use in the broader population. Through this process, hundreds of children were able to get access to investigational CBD products while this product was being studied.
Drugs derived from marijuana also are eligible for several programs that are intended to facilitate and expedite development and review of new drugs that address unmet medical needs in the treatment of serious or life-threatening conditions. Much of the work we've done to encourage research in this area has led to the approval action we took today.
The FDA will continue to support rigorous scientific research on potential medical treatments using marijuana and its components that seek to be developed through the appropriate scientific channels. However, we remain concerned about the proliferation and illegal marketing of unapproved CBD-containing products with unproven medical claims.
The promotion and use of these unapproved products may keep some patients from accessing appropriate, recognized therapies to treat serious and even fatal diseases. The FDA has taken recent actions against companies distributing unapproved CBD products. These products have been marketed in a variety of formulations, such as oil drops, capsules, syrups, teas, and topical lotions and creams. These companies have claimed that various CBD products could be used to treat or cure serious diseases such as cancer with no scientific evidence to support such claims. We'll continue to take action when we see the illegal marketing of CBD-containing products with unproven medical claims. We're especially concerned when these products are marketed for serious or life threatening diseases, where the illegal promotion of an unproven compound could discourage a patient from seeking other therapies that have proven benefits.
Today's approval demonstrates our commitment to the scientific process and working with product developers to bring marijuana-based products to market. We remain committed to our gold standard for product development and review. Such a process ensures that any new therapies from marijuana and its constituents are safe, effective and manufactured to a high and consistent quality. And most importantly, that these products have been proven safe and effective for patients.
The FDA, an agency within the U.S. Department of Health and Human Services, protects the public health by assuring the safety, effectiveness, and security of human and veterinary drugs, vaccines and other biological products for human use, and medical devices. The agency also is responsible for the safety and security of our nation's food supply, cosmetics, dietary supplements, products that give off electronic radiation, and for regulating tobacco products.
- Media:
- Michael Felberbaum
- 240-402-9548
- Consumer:

subset: commoncrawl


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Christmas tree sellers around the country are struggling with shortages for a variety of reasons including wildfires in the west, the coronavirus pandemic and the 2008 recession.
Exacerbating existing supply issues is a rise in demand for real trees in 2020 as people are home more with coronavirus pandemic safety measures, and want the aroma and feel of a real tree.
California Christmas tree farmers are reporting a surge in attendance at their locations so far this year. The National Christmas Tree Association says there was an "unprecedented level" of early inquiries from customers wanting to know when tree farms would open this fall.
Christmas tree sellers from New York to California are selling out fast because of the high demand and fewer trees to sell.
The issue is impacting would-be Christmas tree shoppers in Canada, too.
The Canadian Christmas Tree Growers Association says following the 2008 recession, Christmas tree farmers in North America didn't plant as many trees as usual and didn't move ahead with planned expansions until later.
Since it takes 6-10 years for a tree to grow and be ready for ornaments and lights, some of those post-2008 decisions are still impacting supply.
The National Christmas Tree Association has reported a smaller supply of harvestable trees since 2015 because of fewer trees being planted.
Drought conditions and several years of intense wildfires in the western U.S. and Canada as well as the mid-Atlantic states have also taken a toll on Christmas tree farms, destroying their trees or limiting growth opportunities.
The surge in coronavirus cases is also limiting the availability of Christmas trees around the country, as some suppliers and sellers are making the difficult decision to close or reduce hours and capacity to keep staff and shoppers safe.
For those with a National forest nearby, the U.S. Forest Service allows people to cut down a tree from their lands with a few conditions. Click here for more information.


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Property alert
Subscribe to our property alert and receive an e-mail once a new property that fits your criteria goes online.
Mortgage calculator
A mortgage calculator will give you an estimate of the payments you will have to make. You will be able to choose the payment frequency as well as the amortization period. It is important to note that this tool should be used solely for information purposes. Your realtor will properly guide you so that you can get a more accurate result that best applies to your situation.
Property transfer tax calculator
The property transfer tax (or welcome tax) is entrenched in the Act respecting duties on transfers of immovables, chapter D-15.1. In addition to the property transfer tax, some municipalities impose another tax that is calculated on the basis of a percentage of the property purchase. There are also characteristics specific to each transaction that can affect the cost of the property transfer tax. Your realtor will see you through the inner workings of these calculations.
The property transfer tax calculator should be used solely to get a rough approximation of the welcome tax. Results do not include the specificities of each Quebec cities.


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Vincent van Gogh
Vincent Van Gogh | |||
| |||
Born | March 30, 1853 Zundert, Netherlands | ||
Died | July 29, 1890 Auvers-sur-Oise, France |
Vincent Willem van Gogh (Groot-Zundert, Holland, March 30, 1853, Auvers-sur-Oise, France, July 29, 1890) was a Dutch Post-Impressionist painter and son of a minister. In Paris he met Camille Pissarro, Claude Monet, and Paul Gauguin; the latter shared living quarters with van Gogh in Arles for a scant nine weeks until the quarrels between the two impetuous painters spelled the end of their close collaboration.
" | I can't change the fact that my paintings don't sell. But the time will come when people will recognize that they are worth more than the value of the paints used in the picture | " |
Van Gogh is noted for his thick applications of paint, his Still Life: Vase with Twelve Sunflowers is quite notable for his use of paint straight from the tube with minor brush work to smooth the edges of the dollops of medium. More brilliant still was the use of this technique to create texture in a supposedly two dimensional medium, so that the paintings were part painting and part sculpture as in Starry Night.
After a quarrel with Gaugin (and possibly during a bout of epilepsy), he sliced off one of his ear lobes. His life ended at age 37 of an apparently self-inflicted gunshot wound.
The works of his early Dutch period are somber-toned, genre paintings of which the most famous is The Potato Eaters. View of Paris from Montmartre, Paris Seen from Vincent's Room in the Rue Lepic, Terrace of the Café "La Guinguette" and others are based on a typical Impressionist interpretation. Vincent van Gogh painted several pictures using the techniques of Pointillism, e.g., Vase with Daisies and Anemones. Among his last works are religious works after Delacroix, The Pietà and The Good Samaritan, the masterpiece The Church in Auvers, and multiple landscapes and portraits.
In September 2013, his long-lost Sunset at Montmajour was declared authentic.
- "... researchers examined the provenance of the work, and dug up old letters and inventory from a Van Gogh collection. ... this specific piece was described in two letters and was listed among Theo van Gogh's collection as number 180, and that number can still be seen on the back of the canvas." [1]
Portrait of Dr. Gachet (1st version) (van Gogh's most expensive painting).
More: Vincent van Gogh Gallery
See also
External links
- Vincent van Gogh Guggenheim Collection.
- Vincent van Gogh: Biography Van Gogh Gallery.
- The Vincent van Gogh Gallery.
- The Fondation Vincent van Gogh Arles.


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Thomas Theisman didn't. After risking his life and a fresh round of civil war to overthrow the Committee of Public Safety's reign of terror and restore the Republic of Haven's ancient Constitution, an interstellar war was the last thing he wanted.
Baron High Ridge didn't. The Prime Minister of Manticore was perfectly happy with the war he had. No one was shooting anyone else at the moment, and as long as he could spin out negotiations on the formal treaty of peace, his government could continue to milk all those "hostilities only" tax measures for their own partisan projects.
His Imperial Majesty Gustav didn't. Now that the fighting between the Star Kingdom and the Havenites had ended, the Andermani Emperor had his own plans for Silesia, and he was confident he could achieve them without a war of his own.
Protector Benjamin didn't. His people had made too deep a commitment to the Manticoran Alliance, in blood as well as treasure, for him to want to risk seeing it all thrown away.
And Honor Harrington certainly didn't. The "Salamander" had seen the inside of too many furnaces already, knew too much about how much war cost.
Unfortunately, what they wanted didn't matter....
For every adoptive parent who knows the true heart-hunger.
God bless.


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I guess credit card and debt settlement is a better option than bankruptcy, but I still wouldn't do either. If I spent the money, then I would feel obligated to pay it back.
It's time for our weekly trivia question: What do you think of credit card and debt settlement? Would you consider it? Have you ever done it?
Awhile back I interviewed Kim McGrigg, of Money Management International. She explained the difference between traditional credit counseling programs and debt settlement. With many ads on TV and the internet claiming to cut your debt by 50%, debt settlement may seem like a tempting alternative for consumers looking to escape mounting debt. Kim had quite a bit of information on some of the hoops, fees, and long-term effects of having your debt written off for less than what's owed, and we'd like to hear what you think!
Do you have a story to tell about debt settlement? Did you go through a company or did you attempt to do it on your own? Were there any negative consequences? Your comment could win you a $10 prize!
Those of you who aren't familiar with the "drill," read below for full details:
We're doing two giveaways -- one $10 Amazon gift certificate for a random comment, and another one for a random tweet.
If you're inspired to write a whole blog post, please link to it in the comments or tweet it.
At the end of the drawing, we'll update this post to include (and link to) all of your helpful responses.
Good luck!
***We have our winners! Congrats to these winning entries! (Your prize is on the way!)
@ladytr0uble No, it is not an option for me. I promised myself a long time ago that I will only buy what I can afford
Comment #2 -I tried both ways, but when ... Submitted by Ana
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I guess credit card and debt settlement is a better option than bankruptcy, but I still wouldn't do either. If I spent the money, then I would feel obligated to pay it back.
I tried both ways, but when I read the fine print on the settlement company I noticed it was not a good idea. I am doing it on my own little by little and feel more accomplished.
Have tried it and found out it is better to do it on your own. It was costing me $20.00 a month, now I just put the money towards the credit card bill.
I think much more to your advantage to use a debt settlement company rather than trying to do it yourself. You can get results doing it both ways, but why not let a professional handle it. Debt settlement companies have been there done that before and now what their doing. Their providing a service so there is a fee but that's more than made up for by the extra money they can save you.
I compare it to representing yourself at a criminal trial. As they say "Any one who represents himself, has a fool for a client"
Transaction costs for debt settlement can often eat up the "savings" you think you have off your debt. These guys aren't offering to help you for free! Plus, you're involving a third party into the debt relationship. Own up, pay what you owe, and if that's not possible, work it out directly with the company or file for bankruptcy.
I don't have any problem with the idea of it. I think if I felt like I needed to I would evaluate it along with other options.
I have not done it but recommend it to clients as a possible alternative. In her new book "Suze Orman's 2009 Action Plan" Suze notes that to qualify for settlement you need to be very behind on payments and have enough cash to immediately pay the reduced balance.
I thought about it last year but went in another direction. I decided to refinance my house and pay them off fully. Mainly because the other way would have been pretty damn close to being treated as a bankruptcy and didn't want to wait 7 years to have good credit again.
I work in the credit industry and I feel that debt settlement with credit card companies is not a good idea. Most companies will accept a settlement on your debt but will list the remaining amount as a charge off on your credit report. If you are going to do anything, it should be with a company like Consumer Credit Counseling Service who will work with you and your credit card companies to pay down your debt. They have ways to freeze your accounts and some will even stop charging interest. It also protects you from tons of calls from bill collectors as once you notify your creditor that you are working with CCCS, they, by law, have to stop calling you....unless you miss a payment.
It's always good to have options, but the way to have the most options is to not get into debt in the first place. I would recommend looking for help long before credit card and debt settlement come into play.
I've never actually been in debt, credit card or otherwise. It just isn't something I'm comfortable with, especially for consumer goods. I think I'd only ever be willing to go into debt to increase my assets, not just to have cool things. "Settlement" to me seems like a way of giving up after getting in too deep. That's not a position I want to find myself in ever.
Debt settlement is generally an ongoing symptom IMO. People want stuff that they can't afford and can't wait to save up for, so they buy it on credit. Then, when they get in credit trouble, they can't wait and can't work through the debt, so they want a quick solution.
Here's a thought: Don't buy stuff you can't afford. If you do, pay the bill rather than looking for a way out.
Now, I know some people are hit by the horrible and the unexpected, like the sudden loss of a spouse in a car accident, etc. that could account for debt and the inability to pay in a reasonable fashion. In such circumstances, it may be the more honorable thing to offer to settle than to bankrupt on the debtors. However, I'd venture a wild guess that this accounts for less than 2% of all settlement attempts.
I don't really know enough about it since I'm not in a position to need it, but it seems better than bankruptcy. I would just be worried about the fees.
I've never had credit card debt beyond what I couldn't pay each month so I'm not in a position to speak from experience, but I do have a distrust of all companies that claim to be able to get rid of or lower your debt. It just seems too good to be true.
As another commenter and Jane Austen (in the novel Persuasion) says, "...for after all, the person who has contracted debts must pay them."
I settled a debt with Providian in 2000. I disputed a charge from Providian. I foolishly refused to make any payments while I disputed the charge. They had offered me a way to increase my credit limit if I signed up for a travel package offer. They told me it was an annual charge, but they charged me the $200 3 months later when the annual fee for the card came due. I had over limit fees and the 2 charges for $200 that totaled $700. I owed just under $500 in charges so my total was over $1200. They jacked my interest rate up to 29% and I was getting hammered.
I ended up calling and talking to a "manager" and explained that I was about to declare bankruptcy. I offered them $400.00 to settle the account. They said OK. I had them Fax the settlement to Kinko's and I sent a money order through the USPS with return receipt requested and a signature. They took the money, and I ended up not declaring bankruptcy.
My advice: Do not sign up for any recurring charge over the phone unless you have the literature to read beforehand. If they send paperwork and give you 30 days to cancel, follow through. (I do not agree before reading, because I usually just file the paperwork away and forget to read and cancel)
A few years back I visited Consumer Credit Counseling Services to see if debt consolidation would be a good option for me. At the time I wasn't making much money and was just making the minimum payments on all my CCs. Turns out I wasn't behind on payments or in dire enough straits for it. I've since paid off all my CC debt on my own, and it's a great feeling of accomplishment. I don't think I'd ever do debt settlement even if I "needed" it in the future.
I very foolish allowed the loan officers at school to talk me into student loans. They honestly made it seem like the payments would be nothing hardly at all. Now I have payments equal to my montly rent. I wish I had known to research it better. I am not sure that student loans even qualify for debt settlement and I know I don't have the money to pay it off immediately so even if it did I wouldn't use it.
there's a new program starting July 1st that will allow you to pay your student loans on an income scale. (mostly because they extend your terms to 25 years from 10)
I'd check it out with your lenders
I am worried people will focus on the "lower payments" rather than on the rules, fees, and other requirements associated with debt settlement.
Yes, I think it's a great idea to settle your debt with the credit card companies. With so many people heading toward bankruptcy, the companies would much rather have a few cents on the dollar, than nothing on the dollar.
Sure, you spent the money. But, you were charged interest on that, weren't you? And credit card companies have NO problem jacking up your rate when they feel like it, or even upping or lowering your balance at will. Even if you've NEVER missed a payment, they can do what they pretty much like with your account.
Hopefully with the new legislation, alot of that will change.
We do not use credit cards. Instead, we pay cash for most purchases, and occasionally use our debit cards. I feel, if you borrow money, you have an obligation to pay it back. Of course, credit card companies have an obligation to be honest and forthright, and upfront about their policies and procedures. In the end, even if you settle, someone will end up paying for the cost of your loan. As a result, the cost will be passed on, to other customers, through increased rates and fees.
My personal belief is that if you borrowed something from someone, you owe it back to them. That's it. No trying to get out of paying part of it and calling it good.
I have never had to deal with a creditor for my own personal finances, but I have counseled many couples (probably 30 or so over the years) on how to deal with them. In some cases, I've even been given permission to work with the creditor to negotiate on behalf of the couple. Here's what I've found:
1. Creditors want to reach a workable agreement as much as borrowers do. They want their money back (of course!) and they are often willing to be flexible (take a longer time to re-pay, suspend payments for a time, lower the interest rate, etc.) as long as they know the borrower is sincere and committed to re-paying.
2. Borrowers generally have a lot more money to free up for debt repayment than they think. Give me 30 minutes with someone's budget and I guarantee I can find money they don't need to spend and can allocate to paying debt instead.
3. At the first sign of debt trouble, the borrower should contact the lender. This gives them both time to find a workable solution. Most borrowers wait until they are several months behind on payments and then contact the lender. By this time, the lender sees the borrower as a "deadbeat". In my way of doing things, they see the borrower as an honest, proactive person trying to fulfill their commitments.
All this said, this economy is different than any other I've seen, and creditors may be tougher than before. Still, I think these principles will work for most people in most circumstances.
If you're going to spend money, you should be responsible for paying it back. I've always worked whatever number of jobs I needed to pay off my expenses each month. I never keep a balance on a credit card. As a result, I've never been in a position to look into any sort of debt management. There are times when I could see it might be needed, such as an unforeseen medical expense.
It saddens me that empathy seems to be a thing of the past nowadays. Since I have not walked in their shoes, I would never judge whether someone's debt is their own fault or due to circumstances beyond their control.
Of course, I do all I can to not have debt (except that pesky mortgage), but life has thrown me curve balls in the past, and may certainly do so in the future, so I'll avoid the better-than-thou prideful attitude.
If the circumstance came up, I would likely try to work with settling my debt myself, because I often negotiate with companies on prices and fees. If I did select a lawyer or firm to settle my debt, I would be awfully careful to check out their history and talk to former clients. I like to keep a close eye on anyone who has access to my financial info!
If you spent the money then you should pay it back. BUT - and this is a huge but - the credit card companies have been increasing their fees, changing terms at will with little notice to the consumer, and charging exorbitant interest fees while reaping huge profits. When someone takes out a loan at, say, 10.99% to pay for something on their credit card the expectation is that if your account remains in good standing and you as a consumer follow the terms of the creditnagreement you will repay that loan at the initial APR of 10.99%. However, credit card companies are significantly increasing interest rates on even good customers' (e.g., those without any missed/late payments) cards making it near impossible for people to budget to pay off their credit cards. An ideal situation IMO would be to reduce the balance so that the the consumer pays for the purchases themselves and the credit card companies eat all of the fees/interest charges that they have tacked onto people's accounts unnecessarily.
Due to a lengthy unemployment after my daughter was born, my husband and I found we had gone through our savings and were using our credit cards for basic survival items. During this whole time, we were inundated with credit card offers, one after another. We also managed to make at least the minimum payment.
A few months later, I was ONE DAY late with a payment and my minimum payment jumped to over $5000! I called the company and they would not budge.
We felt that we had no option other then debt settlement. During this time, we dealt with 2 companies. One company was very helpful and allowed us to settle one of our accounts in a very short amount of time.
The other company was a nightmare. I could never get a hold of them. The creditors called our house constantly because the company never told them we were trying to settle the account. They made all kinds of promises, but once they got their fees, they were nowhere to be found.
Looking back now, I really wish I would have taken any other route available. Go to your local CCCS and ask for help. We are now in the process of declaring bankruptcy and at this point literally have no other options. If you do decide to go though debt settlement, please call your local Better Business Bureau and ask who they would suggest. DO YOUR RESEARCH!!!
Thanks for sharing such great post, according to me we keep the credit cards as an added facility, but sometimes it cost us too much for making payments of the credit card bills. For more details on credit card debt refer http://www.prime-targeting.com/bad-credit-credit-cards-credit-cards-debt...
I panicked with my debt and used a debt settlement company. They have done their job, they are legit and my debts left with them (I eventually withdrew two accounts from them and settled them on my own) but it was *FAR* more costly to me both in terms of money spent and damage to my credit. Yeah, they saved me 25%-50% on each debt amount in raw terms, but they also collected heavy fees before they would even begin to collect money for settling the debts, plus they collected a heavy fee from each check sent to them, PLUS they collected from me once they settled each debt. THEN I got the tax forms from the creditors since settled debt is considered income, and is taxed like a bonus -- 40% or so. *PLUS* because it took so long and the settlement company strategy is to simple stop making contact with the creditors once they send a single letter stating my intent to settle, that I had a judgment against me (luckily in my state, wages can't be garnished). I withdrew that account and settled on my own, under fair terms. I'm about to pay that debt off, though I'm still going to get wholloped at tax time.
Some banks are real A-holes and will not work with you until it's really fargone. Really, it's in their best interest since they makes oodles of money from you, but they can't let it go to charge-off or else it's too late for them too. They usually start working with you after 90 days, and are a lot more open closer to 180 days, when the charge-off will happen.
I know a lot of people are rightfully suspect of debt reduction/consolidation agencies that work for the credit card companies, but honestly, it can't be worse than what a settlement company will do. Best thing is to try to work with the companies. They won't listen until it's too late and you miss payments, but it's got to be cheaper for you in the long run and less damaging to your credit.
Please, please, please never work with a settlement company!
I agree with you totally regarding not working with a "settlement company." I settled a credit card bill directly with the issuer and had no problem. Settlement companies charge hefty fees - it is far better to pay the debt.
I opted for debt settlement with one credit card company which was on the up and up. It worked well - the only drawback is your credit report shows the debt was "settled" but after 7 years it is erased. There are unscrupulous "settlers". Now especially I would be very leary of settling a debt.
There are several debt settlement companies are available for your debt settlement, but you have to find the trusted agency to settle your debt. Gaining some knowledge of settlement program will give you some experience in your financial crisis.
Debt settlement companies will help the debtors to rectify their problems and will help to decrease the interest. Debt settlement program is really helpful for the one who's looking for the advice of debt settlement.
Hi Linsey very nice post . i have gone through the all the credit card debt and settlement and it was a very bad experience as I was totally bankrupt..
Using a professional, reputable debt settlement company can help consumers reduce the amount of money they owe and the length of time it takes to pay off the debt – often dramatically.
I think working your way down to the smallest to the largest credit card debt is an excellent idea. My husband and I the biggest financial mistake I thought we needed a bigger car and the house to have a baby. It would have been much less stressful the first two years if he had not heard people around us who need these things. Even now, when I talk to people having a third child asks me if Im buying a bigger house. I told them I still do not own one I have.
I have used debt settlement before after looking at other ways to reduce my debts. It worked out great for me because i owed around $80,000 and only had to pay $14'000 of that. My monthly payments where reduced massively and i can now afford to treat my kids. Highly recommend it to anyone with large un-secure debt


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Plot: Two pretty American girls are on a road trip through Europe. In Germany they end up alone at night with a broken car in the woods. They search for help and find an isolated villa. The next day they awake to find themselves trapped in his terrifying makeshift basement hospital along with a Japanese man. An older German man identifies himself as a retired surgeon specialized in separating Siamese twins. However his three "patients" are not about to be separated, but joined together in a horrific operation. He plans to be the first person to connect people via their gastric system, in doing so bringing to life his sick lifetime fantasy "the human centipede
is that her mouth conected to someones butthole? WTF


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If you are on the hunt for bargains in this tough economy, there are plenty of Web sites offering freebies. Although sometimes the deals may not be as good as you think.
"It all started as a way to save money, even a few dollars here and there," said Nicole Coocen, of Enfield.
Coocen has done her share of bargain hunting online at sites like freeinternet.com, landing free cat food, Capri Sun, business cards and much more.
There are also sites like:
- thefreesite.com,
- startsampling.com
- and freebie.org, all aimed at hooking you up with deals at little to no cost.
"You can find a deal on almost anything, 'cause they figure, if they get your contact information, then they can keep sending you coupons so you'll buy more stuff from them," Coocen said.
Some deals require consumers to fill out surveys and that's how Nicole says she landed much of her free stuff.
"Those people, they want your opinion.They want to send you free stuff," Coocen said.
But a word of warning, there are plenty of online offers that aren't what they seem. Some require multiple purchases before your freebie will arrive. Others either get you to sign up for services you probably don't need or they'll get your personal information.
"Consumers really need to keep their antennas up," said Jerry Farrell, Consumer Protection Commissioner. He encourages people to do business with well-known companies.
"Do you really want to purchase from someone you've never heard of or do you want to go to someone who's had an online and bricks and mortar presence for many years that you know if there's a big problem it's going to get dealt with," he said.
Also, make sure any site you do business with is secure. Look for the https in the address and Farrell says be extra careful with e-mail offers.
"Very often, these e-mails are total scams or partial scams," Farrell said.
Other things you can find for free online:
- Places to stay when you travel at sites like couchsurfing.com and homeexchange.com,
- If you're looking to exchange items you no longer need, you can do so at swaptree.com.
- Craigslist has a category just for freebies.
If you do try to cash in with freebies online, make sure you read the fine print, so you know exactly what you're in for.
"If it sounds too good to be true, yeah, it is," said Coocen.
Yet, if you're careful, you can find deals online and save in these tough times.


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Gionee has announced what the company claims is the thinnest smartphone in the world. Aside from boasting the most impressive 5.55mm waistline, the Elife S5.5 runs an Android-based Amigo OS, sports an octa-core 1.7 GHz processor, 2GB of RAM and a duo of 13 MP and 5 MP cameras (back and front).
I've already made the jump to Chinese smartphones early last year, and with still zero complaints about the Find 5, I have no intention of ever going back. Here, too, Gionee, shows that the stereotype we have here of Chinese devices being nothing but clones is starting to get very, very outdated. Influenced by lobbying from western companies, our governments will do all they can to block the influx of Chinese devices for as long as they can, but it won't take long for consumer demand for high-quality devices at low prices to overcome that.
Chinese companies like Oppo, Huawei, Xaomi, and others will do to the device market what Japanese and later South-Korean car brands have done to the car market. If I were a Korean, Japanese, or American device maker – I'd be worried.
Also, I totally want this phone. Beautiful.


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Blue Shawl Swarovski Pashmina Shawl with Swarovski Crystal Horse Border
- Regular price
- Rs. 8,500.00
- Regular price
Rs. 17,000.00 - Sale price
- Rs. 8,500.00
- Unit price
- per
Delivery Time
Delivery Time
- Domestic Orders : 2-5 days from the date of dispatch.
- International Orders: 5-12days from the date of dispatch.
Mode of payment
Mode of payment
Cash on Delivery (*For Domestic Orders Only), Razorpay, Paypal, Paytm, Google Pay , All cards Accepted
Shipping Charges
Shipping Charges
- Free Shipping on Domestic orders.
- Free Shipping on International orders if order value is greater than Rs.15000/- . Otherwise flat shipping fee of Rs.1500/- is applicable.
We offer return only if the product delivered is defective. For international orders we offer no returns. For more info visit Return Policy
Due to the handwoven & handmade nature of our product, please dry clean or spot clean only
Country of Origin
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- Code : WELCOME : 10% off entire order , Minimum purchase of ₹1,000.00
- Code : BUY25KGET25 : 25% off entire order, minimum purchase of ₹25,000.
- Code : BUY15KGET15 : 15% off entire order, minimum purchase of ₹10,000.
- Code : BUY2GET1FREE : Buy 2 shawls and get one waist belt free
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Add gift box to your order and we write a custom message from your side from the loved one. Click on the below link to add gift box :
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Welcome to KidLit Gems!
Join us in a coffee-style chat about favorite children's books and the elements that make them shine.
Text & Illustrations © 2014, Mike Wohnoutka
Age Range:
2-5 years
Grade Level:
Holiday House
Minnesota Book Award Finalist, 2015
A Scholastic Book Club Selection
Who wants to play?
Little Puppy and the Big Green Monster
This picture book scored a triple hit with me through text, illustrations, and a behind-the-scenes meeting with the author-illustrator. And it's hard to say which tickled me the most!
Speed bump warning: This isn't a book to read quickly. Take your time and enjoy the journey as Little Puppy searches for a playmate. Each page only employs a few perfectly chosen words to set the pace, establish mood, and visually break up the page. Read it aloud, letting your voice play with the changing fonts.
Next, savor the illustrations. Note how the monster's appearance bursts the prior restraint of the color palette. Appreciate the variety of size and angle perspectives. Most of all, giggle with the spot-on facial expressions that carry the true joy of the story. And don't overlook the mini-story in those fantastic end papers!
Now for the part you won't see: I had the pleasure of chatting with Mike Wohnoutka at the 2015 Minnesota Book Awards. He was every bit as animated as Monster (in a good way), and just as friendly and enthusiastic as Little Puppy. And talk about optimism! His writing advice? Don't give up. Just like Little Puppy, don't ever give up. Whether you're four or forty-four, that's advice we can all use.
Found you!
Little Puppy and the Big Green Monster
When I first read this story, I envisioned Mike Wohnoutka in boxing gloves doing a slow motion victory dance to the Rocky theme. Wohnoutka already had a winner by writing a picture book about the unconditional love and playfulness of a puppy, but when he created a big green monster to receive these gifts, he scaled the top of the writing staircase.
For those of us who can't illustrate, we're a little jealous that he can write such sparse text and his illustrator gets it. (I know. It helps that his illustrator is him.) Watch for some of the artistic details that make his pages especially endearing: the personalized mailbox, the picket fence, Little Puppy's tail language, a rubber ducky, and more rubber duckies . . .
As a puppy owner/mom/wife/relative/friend, I've been too busy, too lazy, too mean, too boring, and often a big green monster of sorts, but my furry friends' charming dispositions rarely changed. Little Puppy and the Big Green Monster reminds me how much I miss my pets and how I'd be a better human if I was more like Little Puppy.
And forty-four, Lou? I hope you were talking in dog years.
We want to hear from you!
What children's books would you recommend?


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This is the EASIEST slow cooker recipe EVER! Just TWO ingredients: salsa and chicken plus some spices makes a delicious juicy chicken that can be used in tacos, over rice, over salad and more!
After coming back from a long weekend away in Park City, Utah and no real plans for dinner, I was desperate for something quick and easy. Scouring my fridge and pantry I had some boneless skinless chicken thighs and some chunky salsa, so I threw them in my crock pot along with some spices and crossed my fingers.
What emerged was a delicious, juicy chicken which shredded wonderfully after a few hours of slow simmering – and bonus my husband and daughter enjoyed it!
Last night we had them as tacos with all the fixins, and for my youngest, I served hers over rice. Today I was in the mood for a salad bowl like I often get at Chipotles and simply added some tomatoes, corn, shredded cheese and avocado and it was wonderful. This filling can be used so many ways, and it's too easy not to try. If you make it with chicken breast, you can reduce the cook time to about 2 to 3 hours on low. Use it however you like, tacos, salad, enchilada filling, anything I haven't thought of please share!
Embarrassingly Easy Crock Pot Salsa Chicken Thighs
Servings: 6 • Size: 1 thigh • Old Points: 4 pts • Points+: 4 pts
Calories: 187 • Fat: 8 g • Carb: 3 g • Fiber: 1 g • Protein: 30 g • Sugar: 0 g
Sodium: 315 mg • Cholesterol: 127 mg
- 1-1/2 lbs lean skinless chicken thigh filets (Perdue Fit and Easy)
- 1 cup chunks salsa
- adobo seasoning (or salt) to taste
- 1/4 tsp garlic powder
- 3/4 tsp ground cumin
- salt, to taste
- 12 large taco shells (I used El Paso Stand and Stuff)
- shredded lettuce
- shredded cheddar
- sour cream
Season the chicken with adobo (or salt), then place in the crock pot and top with salsa, garlic powder and 1/2 tsp cumin.
Cover and cook LOW for 4 hours. When cooked, remove the chicken and set on a large plate; shred with two forks. Pour the liquid into a bowl and reserve, then place the shredded chicken back into the crock pot, adjust salt to taste and add remaining 1/4 tsp cumin.
Pour 3/4 cup of the reserved liquid back into the crock pot and cover until ready to serve.
Makes about 2 3/4 cups chicken.


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Still no sign of the promised flood of liberalising legislation from the coalition, though they seemed happy to wallow in today's small dew drop of relaxing the rules on product placement.
Not all product placement you understand, because restrictions bear the mark of the Bible according to the Church of Eugenicist Health (well they would do, having been drafted by Labour).
Cigarettes and other tobacco products, along with medicines that are available only on prescription, can't be product placed in any programmes.Well, that's a gimme. Try to spot just a single tab on TV these days and you're probably watching something in Turkish via satellite, so a pack of 20 being 'placed' would call down the four horsemen of the apocalypse. As for prescription medicines, there's not a lot of point in advertising those anyway - the whole idea is that you don't choose them, they are chosen for you ... hence the 'prescribed' tag, so even the pharma bulldozer wouldn't contest that seeing as any placement would be useless to them (they'll just carry on bribing doctors instead). Similarly are guns and other weapons not allowed since the law already states they can't be advertised anyway.
It's a different case for these though.
Alcoholic drinks, gambling products, all other types of medicines, food and drink that is high in fat, salt, or sugar and baby milk can't be product placed in UK programmes.All the above are currently permitted to be advertised on TV, but are excluded in Ofcom's regulations for placement within TV programmes. They're not on the approved list, so they're not getting in.
The hipsters on Hollyoaks aren't to be seen sipping from prominent bottles of WKD, or munching on a packet of Walkers, while daytime TV shows aimed at mums are banned from placing perfectly legal - and advertisable - SMA.
It's more than a coincidence that these products have been heavily targeted for ad bans by quangoes, fake charities and lobby groups so beloved of the Labour bansturbatory mindset.
The mooted booze ad ban is most recent, and will likely still be introduced at some point.
There should be a ban on all alcohol advertising, including sports and music sponsorship, doctors say.The 'breast is best' mafia have been throwing bigger tantrums over formula baby milk ads than the babies they worry about, for quite a while now.
The British Medical Association said the crackdown on marketing was needed, along with an end to cut-price deals, to stop rising rates of consumption.
No new ban on baby milk advertsWhile this ban by the back door has also excluded "burgers, crisps and soft drinks, [...] certain breakfast cereals and even fish fingers" from the new, liberal, freedom of the airwaves. And gambling? Well, some say that's the brand new public health 'concern' for rent-seekers to get their teeth into for the future.
The government has ruled out a total ban on the promotion of baby milks. It is a blow to charities who ardently promote breastfeeding and who wanted a ban on marketing milk for newborns to include milk for older babies.
All legal; all legally able to advertise on TV; all banned from product placement due to vested interest pressure and health-led political correctness.
So while the US happily places all manner of products which we will see in films and transatlantic imports on our TV screens, our response is to ban many of our own multi-national producers from reciprocating in UK shows which are syndicated throughout the world ... all on the say-so of righteous tax-sucking burdens on our country's finances.
Way to go shooting our global industries in the foot, Westminster. You berks.


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At the beginning of July, Preservation Department staff held a wet book salvage workshop at Stanford Auxiliary Library 3. We identified SAL3 as a priority training site due to their distance from immediate preservation support in the event of a flood or leak. So, we packed up some extra supplies and took our salvage show on the road!
To simulate the effect of a water leak in a collection storage area for the hands-on portion of our session we dunked books withdrawn from the library. But before we got our hands wet, we discussed general disaster response, reviewed the contents of the red response bins, and considered potential improvements to the current disaster response set-up at the facility.
Finally, with a simulated water leak scenario in play, the SAL3 team learned the basics of salvaging wet books, including setting up a response area, fanning wet pages, interleaving with paper towel to facilitate drying, identifying the problematic clay-coated pages often found in illustrated volumes, and packing wet books for vacuum freeze-drying.
Many thanks to the SAL3 team for hosting us for this training. We hope, should the unfortunate need arise, this hands-on experience will help prioritize efforts until a salvage plan is in place.


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The sight of a ghee lamp in the temple or in my Pooja Altar is always calming, beautiful and radiant. It is said that the light from a "ghee ka diya"(Ghee Lamp) wards off negative elements. I always feel a sense of peace after lighting a lamp and while it burns, it fills the room with a sweet aroma.
I also have a culinary reason to love ghee. It flavors my dals, makes my rice fragrant,the Biryanis and pulavs can not exist without it and my rotis love a touch of ghee. The recipe I am sharing is how I make ghee here in the US. The process of ghee making is different in India, where I used to start with making my own hand churned butter first. More on that later – enjoy making your ghee!
Plan :
- A kadai or a heavy bottomed pan
- 2 pounds Organic unsalted butter
- A cheesecloth
- Clean and Dry Glass jar
- A funnel
Procedure :
- Put the Butter into the pan on medium heat
- Allow it to melt completely
- In about 15 minutes a thick layer will start building up on top the melted butter
- Do nothing
- keep waiting or get busy with other things in the kitchen
- In about 30 min from the start the surface layer will start to thin out. At this point stir the boiling ghee carefully
- The solids will soon start to settle down and the liquid turns a golden hue.
- Switch off heat when the solids separate completely
- Remove from the heat and let it cool down for about 20 minutes.
- Do not let it cook completely as you need the ghee to be in a liquid state for pouring
- Line a funnel with the cheesecloth, place over a glass jar and pour the ghee; thus separating the solid particles.
- Allow to cool completely before placing the lid on top.
- This recipe lasts me for more than a month. How long it would last for you depends on how much you use it.
Notes: Ghee does not need refrigeration. Ensure the jar is clean and dry.


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Whether you have just one single party a year or for every occasion, you will always be rewarded handsomely by Crystal, your elite romance consultant. Intimate Tickles Adult Toy Parties are perfect for a girls night out, bachelorette parties, holiday parties, & more. Are you ready for an awesome Adult Romance Party in Texas?
Texas Adult Romance Parties
We Don't Have Dirty Minds…
We Have Sexy Imaginations!
It's confidence, It's beauty, It's imagination, It's love. It can turn a monster into a prince, a prince into a pauper, a pauper into a king. It is in her eyes, her smile, the flip of her hair, the simplest gesture, the lightest whisper. It is the electricity that powers sexuality. It is like a drug. It is that illusion that realizes when someone loves you, the way they say your name is different. You know that your name is safe in their mouth. We are Intimate Tickles, A Touch Of Class, A Taste Of Naughty, and we want to ignite your life with Romance.
Welcome to Intimate Tickles presented by risqueromance, the only place to find your exclusive Intimate Tickles romance consultant, the best of the best. I am Crystal of Texas, your elite romance consultant and intimacy enhancement expert. Gone are the days of shopping around and comparing apples to oranges, because we have done all of that for you. Everything we provide is designed to be safe, sensual, and essential to your love life and more.
Hosting A Party Is Always Free!
Never Be Afraid To Be Sexy
At Intimate Tickles, it's not just that we love what we do, it's what we do for you that keeps us motivated to improve. Our mission has always been to empower the couples of North Carolina. To give them a safe environment to learn about sexual health, enhancement, and to give them the permission to learn new ways to take their relationship beyond boundaries, strengthen the romance, and to encourage open communication. It's these goals that have made Intimate Tickles one of the premier adult toy & romance party companies in the industry.Let's Party!
With you as the host, and our collection of toys, games, whit, and charm, we provide our clients with the best reason to get all your friends together ever!
Grab Your Gift
Whether you have 1 party a year or for every occasion, you will always be rewarded. All you need to do is invite your friends and have an awesome time!
Ready To Shop?
Head on over to IntimateTickles.com and browse through our erotic product line. Discover a tingling new world of treasures!
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Choose from sexy lingerie, fun toys, sensual lotions, and more. From mild to wild.
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It takes a special breed to join the Tickles Team. Our consultants are dedicated, educated, professional, and just plain fun. Are you up for the challenge?
Change Your Career
Check out what we have to offer! Your new Adult Toy Party career is only an application away!
YES! We Do Couples Parties
We Are Proud To Offer All Genres Of Adult Romance PartiesOne of the primary reasons we ventured into the adult romance business was to enhance the lives of others. What better way to bring joy to the world than to bring couples closer together? We are very proud to offer Adult Romance Home Parties to women AND couples, as well as gay and lesbian theme events.
Couples, or Co-ed parties are a bit different experience from our "Girls Night Out" Tickle Toy Parties. They are always lots of fun, but they can be somewhat different then what you may be use to when it comes to an Adult Toy Home Party. (Many passion party companies do not allow their representatives to do couples pleasure parties. We think that's just silly.) We are very open to supplying you with various genres of romance parties!
As with all of our parties, with the co-ed parties we will set up a very private Tickle Toy Romance Store in one of your spare rooms or office. That way each couple has some privacy when they place their orders.
We were given: Two hands to hold. Two legs to walk. Two eyes to see. Two ears to listen. But why only one heart? Because the other was given to someone else. For us to find.
Adult Toy Parties
Courtesy Of risqueromance
(Independent Romance Consultant for Intimate Tickles)
It's time to get all the girls together for a great night out in Texas. In fact, it's WAY past time! We suggest you roll just a little out of the box and bring your girls together for a naughty night out! A little wine, some snacks, and a lot of smiles, laughs, oohs, aahs, and thank you's. All of this I can guarantee with Intimate Tickles Adult Toy Parties and me, Crystal – and it's not just for girls nights out.
There is not an Adult Toy Party theme we can think of that would not be a perfect theme to have hosted by Intimate Tickles. Take a look at our types of romance parties page for a short list of ideas. From bachelorette parties to divorce parties, slumber parties to pajama parties, Intimate Tickles adult toy parties by risqueromance can make the night fun, exciting, and oh so electric.
We offer a sensational selection of gifts, toys, lingerie, and spa products for your friends, customer, and everyones significant other. With the assistance of some of the top names in the industry, and by listening to the feedback of our elite romance consultants, Intimate Tickles is proud to present an innovative line of diverse, unique, quality, and cutting edge product line. We have all the latest inspirations and tips for a rewarding love life. Intimate Tickles and risqueromance of Texas have secrets to share with you that can make even an old relationship new again! Ready to take a look?
Click On Over To risqueromance's Shopping Center!
Our Catalogs Are Hot Hot Hot!
You won't find any stale catalogs in the Intimate Tickles library. Feast your eyes on our 2020/2021 Passion,Pleasure,Desire Edition. Because in our industry, products come and go so quickly, it is simply impossible to operate on the same catalog all year round. Oh, sure, you could mark out discontinued products, or add an insert for new products – but who wants to hand out raggedy catalogs? At Intimate Tickles we make sure your catalogs are fresh, bold, and as up to date as printing will possibly allow. 80 full color pages of hot hot hot fun fun fun!
We are also the only adult romance company with a separate and dedicated Kink line. As a romance consultant, you will get your own personalized kink shopping center just in case you run into a customer base that would rather be tied up than tickled. There's a separate catalog as well. Feeling bold? Take a look at our Kinky Korner online version.
Feeling the need to simply relax, without getting all hot and bothered? Check out our Spa Only solution at The Powder Room (See Go Shopping In The Main Menu, or check out The Powder Room Flipbook here)


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I'm an Engineer is like school lessons meet the X Factor! School students choose which engineer gets a prize of £500 to communicate their work.
Engineers and students talk on this website. They both break down barriers, have fun and learn. But only the students get to vote.
This zone is the High Performance Zone. It has a range of engineers working on all different topics. Who gets the prize? YOU decide!


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Sunset / Night Kayak to Rangitoto Island with BBQ Dinner
- Süre: 7 Saat (Tahmini)
- Lokasyon: Auckland
- Ürün kodu: AKL1
Our Sunset tour to Rangitoto was rated the 'Best guided tour in New Zealand by the Wilderness Magazine June 2020'.
After your safety briefing and paddling instruction you will kayak across the Waitemata harbour, meaning 'sparkling waters', where you may see wildlife such as Little Blue Penguins and Cooks Petrels.
We pull our kayaks up to Rangitoto wharf before embarking on a one-hour explorative, fun and informative trek to the summit, viewing the spectacular sites and learning all about the history of the region. Upon reaching the top you will be treated to the finest 360 degree views that the Auckland region has to offer.
At the return to the water's edge, a healthy Kiwi-style BBQ dinner will be awaiting you. With your guide, you will paddle back in the dark watching the city lights sparkle like stars.
Our guides are very experienced and skilled sea kayakers with a personal commitment and passion for conservation and kayaking. Their knowledge of the area, understanding of the weather systems and catering abilities will ensure your trip is both enjoyable and safe.
Tour departs daily.
Price from $ 225 (BBQ dinner and refreshments included)
Meet at: St Heliers Bay boat ramp
Start times vary due to the every changing sunset time:
2:00 pm winter: April to September
4:00 pm summer: October to April
Age restriction: Minimum age of 14 years old for this tour
Check your gear and help keep our islands pest-free.To keep these islands pest free. See what you need to do before joining Auckland Sea Kayaks on our trip please go to www.treasureislands.co.nz
When visiting pest free islands, or islands that are becoming pest-free, make sure you check your gear before you leave the mainland.
Protect our wildlife
Check – your gear for pests such as rodents and insects
Clean – footwear and gear, removing soil and seeds
Close – ensure your gear is zipped up (no open bags)
When you arrive on a pest-free island, you may be met by rangers to recheck your gear.
Sea kayaking and camping have inherent risks and can be dangerous. Detailed risk management and strict safety procedures are observed; however there still remains an element of risk that could result in injury (physical or mental) or even death.
Our reputation depends on your safety – we give it top priority and take it seriously. A comprehensive paddling and safety briefing is given before all tours depart.
Any concerns should be discussed when you enquire about or before you book a tour. If you want help on which trip is appropriate for you, please contact us. Click here for full terms and conditions.