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HireSource Solutions Jobs in Enterprise
Currently, there are no HireSource Solutions jobs available in Enterprise, Nevada. You may wish to explore jobs in nearby locations on the HireSource Solutions jobs in Nevada page or view related jobs below.
Maintenance Supervisor – Process Manufacturing Plant This is a direct hire opportunity which will offer outstanding benefits, growth potential, bonus potential and a positive work environment. If you are qualified for the position and interested in pursuing it, please answer the questions posed at the end of the description and send me your Word formatted resume. JOB SUMMARY - Plans, schedules...
Are you passionate about recruiting but prevented from realizing your potential? Do management policies restrict you from earning high commissions? Is your creativity restrained by company practices? If you answered YES to any of these questions, we invite you to consider HireSource Solutions. If you do not have prior recruiting / staffing experience but you are an exceptional sales person wit...
This is a "temp to perm" position and is with a very stable, successful company in the Teterboro, NJ area. We are looking for a degreed Chemist with some experience in a research lab. If you are qualified for the position and interested in pursuing it, please answer the questions posed at the end of the description and send me your Word formatted resume. A Research Technician works in preparatio...
Maintenance Mechanic - Maintenance Technician – Plant Maintenance These are direct hire (PERM) opportunities which offer full benefits, growth potential, and a positive work environment. If you are qualified for the position and interested in pursuing it, please answer the questions posed at the end of the description and send me your Word formatted resume. Please note that these are likely goi...
General Manager – Agricultural Equipment Sales This is a direct-hire position & offers full benefits, job stability, and some relocation assistance, if necessary. Candidates must have industry experience with farming equipment and some demonstrated operations management experience. If interested and qualified, please send me your Word formatted resume and answers to the questions posed at the en...
FORKLIFT OPERATOR Class B License "H" Certification (Hazardous Material Transport) Please review the below job description that is with a very staple and successful well-paying chemical manufacturing client of ours. If you are interested in pursuing the role, please answer the questions and please be sure to reply with a fresh copy of your resume in a Word .doc. We will reply in a timely fashio...
This is a direct hire position which offers a competitive compensation package, 401K, and full benefits. If interested and qualified, please send your Word formatted resume and answers to the questions posted below in response to this posting. The Staff Scientist – Algorithms works with other algorithm developers as well as other R&D and engineering staff on the development of real-time signal p...
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4 Comentarios
4,8 en septiembre 02, 2012
Me and my husband spent 3 weeks in July in Ally's II located in Avinguda Diagonal. Great location, very close to metro station and La Pedrera, Sagrada Familia and Casa Batllo are 10 minutes walking distance. The housekeeper Rosa was very nice and the rooms and B&B were very clean. Breakfast was very good. Great experience, recommended for both short and long stay.
5 en noviembre 27, 2008
Ally's has two locations, both quite charming. We stayed in the newer flat and had a great stay. The best thing about staying at B&B's is the people, and our host Graciela was incredibly helpful. Highly recommended.
4,2 en septiembre 02, 2008
I stayed at Ally's II, which is convenientely located in Avenida Diagonal, close to Verdeguer subway station. From there most Barcelona attarctions can be easily reached, either by subway or on foot. The room and the shared batroom were perfectly clean, the breakfast very good.
4,6 en mayo 08, 2008
Ally's is a really nice place to stay for a great price in a good location. While it's not Las Ramblas, it's arguably even better - it's close to Gaudi stuff like la Pedrera and Sagrada Familia. Graciela was incredibly helpful, and told us all the best places to go and what to avoid. The floors are a bit squeaky and the bathrooms are shared, but nobody's perfect! Great B&B

subset: commoncrawl


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Guidecraft® "Careers" Toy Wood Figurines, Set of 30
Item # WX2-234968
- Google+
This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
- Details & Specs
Set of 30 Guidecraft® "Careers" Toy Wood Figurines. "What do you want to be when YOU grow up?"
Indeed, children are the future leaders of the world. And this set of multi-cultural, non-gender biased figurines offers a veritable career fair of possibilities to explore! 5 1/2" h. Ages 3+ years.Career Series:
- Lawyer
- Nurse
- Engineer
- Businessman
- Female and Male Doctors
- Sailor
- Pilot
- Bus Driver
- Train Engineer
- Astronaut
- Flight Attendant
- Artist
- Dancer
- Librarian
- Tennis Player
- Football Player
- Musician.
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Customer ReviewsNo reviews exist for this item....
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As renewed negotiations get underway between Israelis and Palestinians, it's vital for the success of the endeavor to identify what went wrong in earlier discussions.
Secretary of State John Kerry wisely stressed in his July 30 briefing with Israeli and Palestinian leaders the central aim of "ending the conflict" and he emphasized as well the "end of claims" against Israel. These are basic tenets of any rational definition of peace and would mean, finally, the end of the drive to remove the Jewish state. They would mean genuine acceptance by Palestinian Arabs of the sovereign rights of a Jewish nation in what is an overwhelmingly Muslim-dominated region.


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CNC Router with 4 ball screw that is very strong machine each of of the gentry extrusion is 2.36" x 2.36" , 3/4 and 1/2 aluminum plate Mig6, linear srb20, ball screw c7 16mm
A CNC Router or Cnc Milling Machine piece of equipment is made to decrease production time. These types of machines are able of cutting and shaping a piece of wood or metal aluminum, crapper, brast, and still
Cnc router machines have taken the woodworking and metal business by storm simply because they increase the production and profit options of any company.
On our store website we have machines available such as,
Cnc Router 3 axis, 4 axis, and for special orders, 5 axis,
Cnc Router kit
Cnc Milling Machine also, 3, 4, and for special orders 5 axis.
We have to spindle 1.5kw 110v or 220v or 2.2kw only for 220v
On that video you can see haw to setup china water spindle
Cnc kits for bf20 and g0704 Cnc milling machine
Optimum Bf20 or Grizzly G0704 Mill/drill is one of the best machine available on the internet of course, to the amount of $2000 we have both drill/mill in our store, bf20 mill/drill does not require any machining to add ball screw C7 16mm
on that video you can see haw our machine is cutting g0704 still saddles
but G0704 Mill need room on the saddles for ball-nut clearance
With both kit you have option to use as drill/mill as cnc
Option 1 does not require drilling on the base and Z axis column
Option 2 requires drilling in the base and Z axis column but you can use the mill as cnc or by hand wheels
How-to: Install a quick tool changer and cnc kit on a bf20 and g0704 cnc milling machine.
I will:
•Present you how fast and simple it's to set up a cnc kit on a mini-mill.
You also can find plans and instructions if you would like to build your own.
Build, Diy, homemade cnc router
If you are searching for parts to build Cnc milling machine In our store you will find parts such as.
Ball screws, liners SR20 , Cnc Drivers, Power Supplies, Stepper Motors, Spindles, and more.
for each of our kit we have video and instruction step by step haw to build or machine
Taig Mill
We can build taig up to 5ht axis or jewelry with ball screw and driver for this machine
machine is set table-head and we offer that machine with post-processor for rhino2.0
please check or other website preset here
If you're looking for a Cnc machine we can build you one,
Please acknowledge our store website. Click here


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Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
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We will send you an email with an invite soon.
RT @loyolapress: St. Ignatius believed in a God who is creating us in every moment: http://t.co/32jT0Zlh1n via @PaulCampbellSJ
See what's Trending Now for @RIV3S
Follow @RIV3S on Twitter


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All posts published by 'cycling':
Check out all of the posts tagged with 'cycling' below. If you still can't find what you are looking for, try using the search box.
Fort Lewis College will be a prominent presence at the 43rd annual Iron Horse Bicycle Classic this weekend, May 24, 25, and 26. From the FLC Road Scholars Team, to the Cross Country Race hosted by Fort Lewis College, to a mountain biking clinic for high school-aged riders coached by cycling legends, that Skyhawk cycling spirit will be easy to find.
As the Fort Lewis College Cycling team heads to Boulder for the USA Cycling Cyclo-Cross National Championships this weekend, they'll be competing in the first race of their 20th anniversary year. And come May, they hope to celebrate that milestone in an appropriate manner: with another #1 season. At the nationals, January 8 - 12, FLC aims to boost its shot at earning a fifth #1 Division I end-of-season ranking, adding another memorable year to the team's two decades of cycling excellence. Going into this weekend's competition, Skyhawks Cycling is tied for the #1 position for omnium title for the '13 - '14 season.
Up to 150 alumni, staff, faculty, and friends of Fort Lewis College will combine their love of cycling with helping students, when the Fort Lewis College Road Scholars Team races the Durango & Silverton Narrow Gauge train from Durango to Silverton in the 2014 Iron Horse Bicycle Classic, on Saturday, May 24.
The Fort Lewis College Cycling Team is in Beech Mountain, North Carolina, this week for the 2013 USA Cycling Collegiate Mountain Bike Nationals, where they'll try to stay the national champions of Division I collegiate mountain biking for the eighth year in a row. A team omnium title would also be the Skyhawks' 16th national mountain bike national championship in history – including the first-ever collegiate mountain bike national title in 1994, the FLC team's first year on the circuit.
Fort Lewis College Cycling invites all cycling fans to the Fall Blaze Bicycle Tour on Saturday, Spetember 28. The fully-supported group ride around beautiful Southwestern Colorado at the peak of autumn foliage season is the sole fundraiser for the Cycling Scholarship Fund, supporting cyclists on the FLC Cycling team.


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By Supantha Mukherjee and Lehar Maan
(Reuters) - Twitter Inc
Twitter has reported lackluster user and usage growth for the last couple of quarters and its stock price has nearly halved in the last six months.
Last month, Twitter Chief Operating Officer Ali Rowghani departed after clashing with Chief Executive Dick Costolo over whether he should continue to oversee product innovation, according to a person familiar with the matter.
Chloe Sladden, vice president of media, also departed recently.
With Noto in the CFO seat, Twitter hopes to better explain its business opportunities to Wall Street, a person familiar with the matter said.
"Anthony has got a pretty good finger on the pulse of the Street," the person said.
A former Army ranger and National Football League executive, Noto, 46, started as an analyst at Goldman and later became a managing director in the investment firm's technology, media and telecom investment banking group.
Noto, who was among a number of analysts who touted stocks like Webvan and eToys that collapsed during the 2000 dotcom bust, won plaudits for netting Twitter's coveted IPO in 2013 and handling its smooth market debut. He was crowned the top-rated Internet analyst for five years in a row by Institutional Investor magazine in the mid-2000s.
Noto's move to Twitter comes roughly six weeks after reports that he was leaving Goldman Sachs to join hedge fund Coatue Management. Instead, Noto began working at Twitter's San Francisco headquarters on Tuesday.
Hudson Square analyst Daniel Ernst said Noto's experience as CFO at the NFL should help Twitter gain more ground in television and advertising.
"He just brings a different skill set. A set that really has very high level view of the competitive landscape, he understands very well what the investment community is looking for given his previous role," Macquarie Research analyst Ben Schachter said.
Gupta, who joined Twitter in 2012 from social gaming company Zynga Inc
Noto will receive an annual salary of $250,000 and one-time restricted stock options of 1.5 million shares, Twitter said in a filing. As of Monday's close, those options were valued at $61.5 million.
Twitter went public in November at $26 a share. The stock rose to a high of $74.73 in December.
Shares rose as high as $42.95 on the New York Stock Exchange on Tuesday before ending $1.08 stronger at $42.05.
(Reporting by Supantha Mukherjee and Lehar Maan in Bangalore; Additional reporting by Alexei Oreskovic in San Francisco; Editing by Joyjeet Das, Don Sebastian and Sofina Mirza-Reid)


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Important Notice: WonderCafe has Closed
The United Church has sadly come to the decision that WonderCafe needed to close and all new discussion ended June 2014. Read More...
We're all in trouble if they start jailing people for annoying someone ....
(bold emphasis mine)
Most people who have used the internet for any length of time is able to recognise an internet troll.
They're the people who delight in posting something inflammatory or outrageous with the intention of provoking a reaction. They often don't care if what they post is offensive or simply stupid, all they desire is to disrupt genuine conversations or upset innocent people.
It's pretty immature behaviour - but sadly, it's all too common.
An update to the US State of Arizona's telecommunications harrasment bill, however, could send a strong message to internet trolls that their behaviour is not going to be tolerated.
"It is unlawful for any person, with intent to terrify, intimidate, threaten, harass, annoy or offend, to use any electronic or digital device and use any obscene, lewd or profane language or suggest any lewd or lascivious act, or threaten to inflict physical harm to the person or property of any person."
By replacing references to the telephone to "any electronic or digital device", the bill is now covering any communication over the internet.
And as trolls *do* usually intend to annoy, harass or offend - it seems pretty clear-cut that they would be in hot water.
With hand on heart, can you honestly say that you have *never* annoyed or offended someone via the internet? If you can, you're a better person than me.
Naked Security seems to offend some people every single day - you should see the emails we get when we write about Mac malware for instance!
That's pretty worrying, even though none of us live in Arizona - as the offence is deemed to have taken place either at "the place where the communications originated or at the place where the communications were received."
If someone is found guilty under Arizona House Bill 2549, they could face a $2500 fine and up to six months in jail.
According to Gizmodo, if you've also used your computer to stalk someone your crime bumps up to a class three misdemeanor. That's even more serious, and could see you put away for a stonking 25 years in the clink.
The revised bill passed both of Arizona's legislative houses last week, and now awaits a stamp of approval from the state's governor.
Don't forget, if you're being harassed online - here's our advice on how to deal with an internet troll.
Just promise that you won't report this article as annoying to the Arizona authorities.
(Oh don't you know)
that's the sound of the men
working on the chain gang
(Oh don't you know)
that's the sound of the men
working on the chain gang
Sam Cooke, Chain Gang
oh save us from people who can't mind their own business and want to save us
and as for good things in arizona?
in Carefree AZ
Montezuma's Well, an ancient holy site where pregnant women would go and dream of names of their children and also home to a species FOUND NOWHERE ELSE ON EARTH
the phoenix lights, total mainstream, widely reported UFO sighting
Does anything wise come out of Arizona?
Careful there Big John, some might consider those fightin' words or ... possibly annoying.
It is a condundrum. I've visited that state several times. Fell in love with the geography, climate and the people. I travelled all over it and met lots of people and not one of them struck me as loco enough to write such a bad law much less agree to it.
Although there was that guy standing on the corner in Winslow ...
Take it easy, take it easy
don't let the sound of your own
wheels make you crazy
The Eagles, Take it Easy
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Jul 25, 2012
The Official Winners of the LastPass Sticker Photo Contest!
Several weeks ago we announced a giveaway to LastPass Superfans in our newsletter. The prize was a LastPass sticker, and the mission was to send in a photo of the sticker on your car, your computer, at your desk, at a local sight, or wherever you wanted to show your LastPass love. We then asked LastPass users to help us pick YOUR favorite photos - and here they are!
If you missed it, all entries can be viewed on our voting page: https://lastpass.com/swagvote.php - there were hundreds of entries, with some pretty amazing ones even outside of the top 10 ten picks.
The winners received LastPass Premium and their photos get a shout-out below. You guys certainly have a sense of humor!
#10: "'Wake me up and that will be your LastPass.' Cottage Country new Kenora, Ontario. Just threw the sticker I had received. Bear left shortly after and I was able to retrieve the sticker. Lucky it landed where it did."
Have a favorite that didn't make the top 10? Tell us which one and why you liked it in the comments below.
We hope you all had fun with it, because we certainly did! Thanks again for sharing the LastPass love.Stay tuned on our blog, Facebook, Twitter, Google+, and our newsletters for future promotions.
The LastPass Team
10 comments:
- AnonymousJuly 25, 2012 at 7:24 PM
All the photos are horrible..ReplyDelete
- AnonymousJuly 25, 2012 at 9:43 PM
I think that all the photochopped images should have been disqualified from the beginning.ReplyDelete
Nice. Its a pitty I didn't send my picture on time...ReplyDelete
Last Past sticker is something almost anyone would love to have. It's something that you can brag about and even if not, it's like your trophy of winning some major event. I'd love to have one too, when will there be a next photo event.ReplyDelete
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Washburn Law Class of 1978 Reunion
Join your classmates at the
Washburn Law Class of 1978 35 Year Reunion
Saturday, June 15, 2013
Reminisce, checkout the law school building, and reconnect with your classmates
We look forward to seeing you!
For those traveling, or even if you live in the area, please plan to stay at the hotel for the evening. A special rate of $84 is available. To book a room, call 1-800-579-7937 (local 431-7200) and say the reservation is for the "Washburn Univ. School of Law Class of 1978," or use the 4-digit code of "WU78" if reserving online.
3:30-5:00 p.m.
Informal Reception (Law School, 1st Floor Commons; use south patio entrance by Ben Franklin statute)
Optional self-guided law school tours will be available.
5:30 p.m.
Cocktails and Dinner (Capitol Plaza Hotel, Falling Waters Lounge, 1717 SW Topeka Blvd.)
After dinner, the Party Deck at the hotel will be available for visiting with classmates and reminiscing.
Attendees will be responsible for their dinner and drinks.
Contact Cindy Stillings at (785) 670-1011 or firstname.lastname@example.com.


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The six large international audit networks – BDO International, Deloitte, Ernst & Young, Grant Thornton International, KPMG and PwC – have been working together for more than a decade on key policy issues that impact accounting, auditing and corporate governance around the world. The main vehicle of collaboration is the Global Public Policy Committee (GPPC), which comes together regularly to discuss key policy developments, both among ourselves and with key stakeholders. I hasten to add that we always do so with a competition lawyer present to keep us on the straight and narrow!
That we are able to collaborate while still being competitors is a testament, I think, to the global audit profession in general and its desire to ensure that the way in which public interest entities report, govern themselves and are audited continually evolves to meet the needs of users.
On becoming chair of the GPPC last July, I was not short of material for setting our priorities for the next two years. The main areas we are currently looking at are:
· accounting for the sovereign debt issued by key European financial institutions and the related reporting issues;
· working with independent audit regulators to continue to build audit quality and maintain confidence in audit reports;
· the evolving role of audit.
Banks and sovereign debt
The first and most urgent priority continues to centre on corporate reporting by banks and financial institutions. On a national level much has been achieved since the financial crisis burst upon the world. For example, in the UK, audit firms worked closely with the Bank of England, the Financial Services Authority and the Financial Reporting Council to form a code of dialogue. This code ensures that for systemic banks there is a regular dialogue between the prudential supervisor, bank and auditor, allowing views on key issues and pressure points to be shared and discussed in advance of each new reporting cycle. The audit networks have an important role in making such national initiatives more widely known to benefit other capital markets.
On the international front, the firms and audit regulators are working with the Financial Stability Board to enhance the quality and relevance of disclosures in banks' accounts. The next task is to embed these ideas into practice.
The networks have also been engaging each other in far greater regular dialogue on bank accounting since the crisis emerged. For example, a working group of senior-level professionals meets regularly to discuss the impairment of sovereign debt and related reporting issues by European banks. Debating these issues in advance minimises the risks of substantial differences in the way that key institutions report such instruments.
These are important initiatives and for me closer two-way (and three-way) dialogue between auditors and prudential supervisors (and bank management) is the number one lesson from the crisis. However, much still remains to be done.
Good practice
The second priority concerns sharing good practices between the networks and with regulators to reinforce the effectiveness of our international quality assurance programmes. Again, cooperation with other stakeholders is an important lesson from the crisis and work is under way between the International Forum of Independent Audit Regulators and the networks.
A key strand of this work is to try to capture recurring themes from independent inspections and the networks' own inspections around the world. The aim is to see whether there are lessons that the networks and regulators can take at the global level to increase the speed with which actions are taken in particular countries to maintain and continue to build audit quality and ensure consistent high-quality execution.
The views of stakeholders
Third, the networks have been listening to the views of other stakeholders – in particular, investors – on the role of auditors in maintaining and building market confidence. We are looking to learn lessons from the financial crisis for audit and how it needs to evolve to meet current and future user needs.
The overwhelming reaction from nearly all stakeholder groups is that the large audit firms play a crucial role in sustaining capital markets and on the whole do a pretty good job. A common theme from investors and other stakeholders is that auditors have vast quantities of information on the strength of individual companies and industry sectors; could this information be shared with investors and regulators to increase market confidence?
It is easy to answer yes, but obstacles such as trust, confidentiality and cost cannot be dismissed out of hand. However, effective leaders see obstacles as challenges to be overcome, and there is a huge desire among audit network leaders to continue this debate and find solutions. We must look for ways to move the audit role forward to deal confidently with a world of ever more volatile valuations, business models and financial confidence.
There are other issues we must bear in mind. The work by the International Federation of Accountants (IFAC) on public sector accounting standards here seems vital to me. I also believe the fairly routine sharing of good practice, such as making it unlawful to mislead an auditor, would bring improvements in many countries far more quickly than further changes to reporting and audit. Nor should we close our minds to embracing new customs and practices from emerging economies.
Enron and all the other scandals of the last decade were a wake-up call and I believe that audit is in a strong state now, the more so for strengthening dialogue with other stakeholders. However, life moves quickly and we cannot rest on our laurels and feel that an audit model that has its roots in the mercantile trade of Europe centuries ago is automatically doing all it can to meet the needs of the future. The financial crisis showed that business is vital to the well-being of everyone in society. As we move forward the debate on evolving our role as auditors, the question 'what are we doing to benefit society?' is a useful one to have at front of mind.
Steve Maslin is head of external professional affairs at Grant Thornton and chair of its Partnership Oversight Board in the UK. He was the firm's head of assurance services for seven years and a member of the Audit and Assurance Advisory Panel of Grant Thornton International. He is also a member of the ACCA/IMA Accountants for Business Global Forum. The views expressed here are his own and not necessarily those of Grant Thornton or the GPPC.
This article first appeared in Accountancy Futures, Edition 6, 2013


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Thomas Majors, 28, is being held in the Marion County Jail on five counts of failure to inform his sex partners that he has a communicable illness, HIV.
- Bio | E-mail | Recent columns
"It's been devastating," said Montgomery. "We went through a lot of emotions with my sister and her not knowing what she's going to do and her not being able to take it in."
Majors is being held on a $100,000 bond.
"I mean, of course he'll flee," said Shandell Montgomery whose sister is one of Majors' alleged victims. "He knows what he's facing and he knows how serious the charge is."
Majors was turned down in his request for a lower bond pending his next court appearance Tuesday.
It was a member of Major's own family who discovered his HIV secret.
"I found a bag of medication," Majors' uncle told Fox 59 News. "I went to the pharmacy and asked the pharmacist what it was. He grabbed it up and looked at it and told me it was for a sick individual. He said the medicine was used to treat someone with HIV."
The uncle gave the information and medicine to one of Majors' girlfriends who contacted police.
"It's kind of unprecedented for our office to file these charges and for victims to come forward like this," said Marion County Deputy Prosecutor Drew Wingnall. "We don't' know how many victims there are. We don't know how long this has been going on. This could be going on for years and we just don't know yet."
According to court records, Majors was diagnosed with HIV in 2006 and released from prison this past July.
Those who would like confidential testing or counseling regarding HIV or are asked to contact the Bell Flower Clinic at 317-221-8383; The Damien Center at 317-632-0123 or their personal physician.
Those who believe Majors may have put them at risk of contracting the virus is asked to contact Sgt. William Jackson at 317-327-6623 or email@example.com.


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Jason Miller, Executive Editor, Federal News Radio
Click to hear the interview.
Jump to main content.
Tuesday - 9/28/2010, 5:35pm EDT
Click to hear the interview.
In a hearing Tuesday, members of the Senate Armed Services Committee heard DoD's rationale for plans to save $100 billion over the next three years.
One concern -- raised by Sen. John McCain -- centered on whether DoD's desire to increase competition could even happen because of the regular mergers and acquisitions in the vendor community.
Federal News Radio's Jason Miller provides more on the DoD's cost-cutting plans discussed Tuesday on Capitol Hill.


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The Minnesota Vikings kept the lid long enough on this one, although it was apparent from the beginning where Percy Harvin was headed after missing week after week of practice with an ankle injury sustained in the third quarter of the Week 9 loss to Seattle Seahawks at CenturyLink Field.
Coach Leslie Frazier remained cryptic over Percy Harvin's status during a press conference on Wednesday and chose not to share the Minnesota Vikings wide receiver's that diagnosed him with a Grade 3 ankle sprain.
"Hard to say. Hard to say" was all Leslie Frazier could state of Percy Harvin's status for the remaining season.
Hours later, the Minnesota Vikings revealed just how serious Percy Harvin's ankle injury was from the initial diagnosis, by placing him on the season-ending injured reserve. Even severe sprains typically don't take longer than 4-6 weeks to heal, which implies that this injury could be so serious that Percy Harvin may require ankle surgery.
However, Leslie Frazier stated on Thursday he was keeping his "finger crossed" against a scenario that required Percy Harvin to ankle surgery.
"He should not have to have surgery. At least we're hoping that,"' said Leslie Frazier. "They'll continue to go through what they're going through."
Leslie Frazier also further elaborated over the team's decision to place Percy Harvin on the injured reserve, claiming the 24-year-old was making slow progress from the ankle sprains despite doing "pretty much the things that the trainers have asked him to do" during rehabilitation.
"It still was at a point where we couldn't get the things that needed to be done, to make enough progress for us to say, 'OK, he's moving in the right direction,'" Leslie Frazier said about the Minnesota Vikings' evaluation of Percy Harvin's prospect of return from ankle injury. "He made some progress at times, but it was incremental. Not to the point (we wanted it)… He's such a valuable commodity. You don't want to do anything that's going to create some long-term ill effects."
Although the Minnesota Vikings had been betting on Percy Harvin to return during the final stretch of four-games this season, the team chose not to risk their top pass-rusher's health after he suffered a setback with a some ligament tearing in the injured ankle.
"I think it helps all of us. For him to concentrate on what he has to concentrate on from a physical standpoint," said Leslie Frazier, "and knowing that he wasn't going to make the progress that was necessary for him to get back and play this season."
Percy Harvin also released a statement over the disappointing end to the season, especially when he was leading the NFL in running and rushing yards prior to the ankle injury.
"As a competitor I definitely wanted to get back out on the field but my injury has just not allowed me to progress to the point where I can help our team," said Percy Harvin. "I appreciate the efforts of our medical staff and the support of our fans in helping me through this process and look forward to coming back stronger and better than ever."
Percy Harvin's absence is a crippling blow to the Minnesota Vikings offense which struggled passing the ball throughout the season, and just doesn't have that many productive wide receivers. Through nine games, Percy Harvin had 62 receptions for 677 yards and three touchdowns, as well as 22 rushes for 96 yards and one score and one kickoff return for a touchdown.
Vikings place Percy Harvin on IR for season
12/6/12 in NFL | IvanRogers | 1352 respect


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Gray Ghost Vineyards Celebrates 20th Anniversary!
The Kellert Family and Gray Ghost Vineyards - Celebrating 20 Years!!!
Brittany Frompovich Joins Bassists for a Concert at Forte Music Studios, July 13
Culpeper Regional Hospital Will Host Public Meeting
Mon., Jul. 7 - Culpeper Regional Hospital will host a public meeting on Monday, July 14, 2014 regarding plans for the University of Virginia to become the sole member of Culpeper Regional Hospital (CRH).
Alamo Drafthouse Cinema & Belle Grove Plantation to Host Special Screening of "Gods and Generals"
New Voter Photo ID Requirements – Effective July 1, 2014
Mon., Jul. 7 - To vote in the November election, voters must present identification that contains a photograph.
International High School Exchange Students Seeking Host Families in Warrenton
Mon., Jul. 7 - Visiting students, ages 15-18, from around the world including Germany, Spain, Switzerland, and Thailand are seeking host families in and around Warrenton for the upcoming 2014-2015 academic school year.
Food for Thought Local Food and Farm Speaker Series - Culpeper Cheese Company
David James Homes expands to Culpeper
Mon., Jul. 7 - Merle Heckman, sporting a full Santa Claus-like white beard minus the mustache, stands in front of a new home, wearing his trademark blue denim shirt, carpenter's belt and stares into the camera filming a television commercial about David James Homes.


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Diamond Slab - Eskdale Granite
© Tom Peckitt, Dec 2009
Problem: Diamond Slab
Camera used: Canon PowerShot G10


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Note: results can be filtered by year and/or keyword. To filter on year, select the appropriate year from the drop down menu. To filter on keyword, enter relevant term into open box, select appropriate keyword, and click "filter".
Events & Presentations
Stop TB Symposium Presentation
Manica Balasegaram, Executive Director, MSF Access Campaign, presents "How to enable more equitable access to novel tools?" download a copy of the slides here.
Last updated 9 January 2014
HIV Co-infections in India - When ARVs alone may not be enough
Last updated 19 November 2013
Presentations from the seminar: 'The best shot: reaching 22 million missed children', October 2013, Oslo
Last updated 19 November 2013
MSF at the 44th Union World Conference on Lung Health
MSF will attend the 44th Union Conference on Lung Health in Paris, France (October 30 - November 3) to present our research on tuberculosis (TB) and drug-resistant tuberculosis (DR-TB). DOWNLOAD the complete schedule of MSF's presence at the conference
Last updated 30 October 2013
THE BEST SHOT Reaching 22 million missed children A seminar on accelerating access to vaccination Oslo, Norway 14th October 2013
Last updated 23 September 2013
Lives in the Balance: Delivering Medical Innovations for Neglected Patients and Populations
December 13-14, 2012, New York City For complete information on the conference including agenda, registration, and background materials, visit the conference site.
Last updated 11 December 2012
IDM-NTDs: Challenges for Health Systems
A presentation by MSF's Julien Potet at the "Uniting to Combat NTDs: Translating the London Declaration into Action" Conference hosted by the World Band in Washington, D.C. from 16 - 18 November 2012. The presentation assesses how much of a challenge the tri-tryps diseases are for health systems based on two dimensions; the effectiveness of diagnosis and treatment, and the appropriateness of the available tools for use in resource-limited settings.
Last updated 4 December 2012
MSF at the 2012 GAVI Partners Forum
"There's no reason children should still be dying of vaccine-preventable diseases. The global vaccines community could be doing a lot better to make sure all babies in developing countries are fully vaccinated against killer diseases. We need vaccines that are easier to use in hard-to-reach places." Dr. Manica Balasegaram, Executive Director, MSF Access Campaign
Last updated 3 December 2012
MSF at the 43rd Union World Conference on Lung Health
MSF will attend the 43rd Union Conference on Lung Health (TB Conference) in Kuala Lumpur, Malaysia (November 13-17) to present our research on TB and speak at symposia on DR-TB scale- up and paediatric TB. DOWNLOAD the complete schedule of MSF's presence at the conference
Last updated 15 November 2012
MSF at the International AIDS Conference in 2012
Join Médecins Sans Frontières (MSF) at the 2012 International AIDS Conference for these events and presentations. Booth location: Exhibit Hall C, Booth 18 COMPLETE INFORMATION ON MSF's PRESENCE AT THE IAC THIS YEAR CAN BE FOUND AT http://aids2012.msf.org HIV/AIDS Community Mobilization
Last updated 17 July 2012


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Category Archives: Publishers Corner
My experience with self-publication (so far)
We've talked a fair amount on this blog about the publishing aspects of Mormon Lit. Wednesday, Darrel Nelson wrote about his experience as an LDS author with a Christian-market publisher. For three years, Chris Bigelow arranged a regular Publishers' Corner … Continue reading
Posted in Publishers Corner, The Writer's Desk Tagged Self-publication 15 Comments
From the Writer's Desk: The Future of Irreantum
Since 1999, Irreantum has been committed to publishing the very best in Mormon literature. Over the years, a number of editors and editorial board members have volunteered their time to discover, polish, and publish this literature, passionate in their conviction … Continue reading
Posted in Publishers Corner, The Writer's Desk 23 Comments
Transition Time for the "Publishers Corner" Column
As of January 2013, I will have coordinated the AML blog's monthly "Publishers Corner" column for three years. It seems like a good time to take stock and also to announce my honorable release as column coordinator.
Posted in Publishers Corner 2 Comments
Publishers Corner: Write the Story that Matters
Guest post by Christopher Loke, executive editor of Jolly Fish Press When I was first approached to join Jolly Fish Press (JFP) as executive editor, my first question was, why Utah. After all, all of the houses I've been involved … Continue reading
Posted in Community Voices, Publishers Corner Tagged Jolly Fish Press 1 Comment
Break It Down!
Like Lehi of old, I stepped from the front door of my house and found something beautiful sparkling in the sunlight. It was not a Liahona; it was the final proof of iPlates Volume 1, a graphic novel based the … Continue reading
Posted in Electronic Age, Publishers Corner Tagged Book of Mormon, iPlates, Kindle 8 Comments
Reflections on a Mini-era: An Editor's Inside Look at Cedar Fort
Guest post by Heidi Doxey. It's been four years. In the spring of 2008, I sat behind a brown-haired girl in my fiction editing class at BYU. She was pleasant and intelligent, but so were most of the students in … Continue reading
Posted in Publishers Corner Tagged Cedar Fort (publisher), editing, Independent Mormon Publishers 2 Comments
Publishers Corner: Rhemalda Publishing
Guest post by Emmaline Hoffmeister, Vice President, Rhemalda Publishing As I read through the guest posts from prior publishers, I realized that Rhemalda Publishing is a little different. We are not a Latter-day Saint publisher, per se. We are a … Continue reading
Posted in Publishers Corner 9 Comments
Publishers Corner: Engaging the National Market from an LDS Perspective
Guest post by E.M. Tippetts Late last year I decided to take the plunge and become an indie author as E.M. Tippetts – the name I use to write LDS chick lit. There were a lot of reasons behind my … Continue reading
Posted in Publishers Corner, The Writer's Desk 15 Comments
Publishers Corner: Approaching the National Market Through Ebooks
Guest post by Karen Gowen of WiDo Publishing The e-book opportunity has opened up entirely new markets for LDS fiction. WiDo Publishing doesn't limit its books to Mormon fiction or shy away from it. We have several titles that deal … Continue reading
Publishers Corner: Alan Mitchell at Greenjacket Books
Guest post by Alan Mitchell I'm an independent LDS publisher, which mostly means I don't make any money. Every man needs a avocation. I'm not sure that is true. I'm not sure what an "avocation" is—is it a mission in … Continue reading
Posted in Publishers Corner Tagged Alan Mitchell, Greenjacket Books, Independent Mormon Publishers 15 Comments


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Enjoy this Cabernet with grilled beef, lamb or game, and pastas with hearty sauce, or enjoy the pleasure of discovering your personal favorite food and wine combinations. The wine is ready to enjoy now having been aged to optimal drinking readiness
From high atop "Winery Hill", Ste. Chapelle Winery overlooks thousands of acres of fertile orchards and farmland in Southwestern Idaho. Ste. Chapelle was founded in 1976 and named after La Sainte-Chapelle Church in Paris, France. The winery has grown to produce over 120,000 cases and by adhering to a quality focus, their wines have eraned national and international recognition since the beginning.
An inland state, Idaho has some of the highest altitude vineyards in the United States. With wide fluctuation between night and day temperatures, grapes here are harvested with both high acidities and high sugars, making Riesling especially successful. Other cool climate varieities like Pinot Noir and Chardonnay also thrive. Ste Chappelle dominates the state's industry and is the fifth largest in the Pacific Northwest.
(cab-uhr-NAY sow-veeh-yawn) King of Red Many refer to Cabernet Sauvignon as the king of red grapes. Perhaps that title is due to its ability to grow worldwide in a number of climates, or to the fact that it produces wine with such character yet such diversity. Either way, this grape is responsible, as a whole or a partner, for some of the greatest wines in the world. In Bordeaux,...Read More About Cabernet Sauvignon
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Gallaudet University understands it is vital to protect natural resources and critical to create a sustainable campus. As such, the University is undertaking many actions to reduce its dependency on natural resources and become a more sustainable institution. We recognize the vast benefits received from these environmentally friendly actions and are committed to enacting these goals to ensure that Gallaudet is sustainable for future generations.
The Sustainability Council at Gallaudet University is responsible for the creation, implementation, promotion, and oversight of the University's various sustainability initiatives. In addition, the group is tasked with informing the campus community, University stakeholders, and the public of the Gallaudet sustainability efforts through a variety of methods. Established in 2013 and comprised of students, faculty, and staff, the Sustainability Council represents the interests of the entire Gallaudet University community.
Sustainability Council Members
Co-Chair: Dr. Meloyde B-Mickens, Facilities
Co-Chair: Hansel Bauman, Campus Design and Planning
William Banks, Facilities
Jean Bergey, Provost's Office
Rhonda Blake, Support Services
Amon Brown, Facilities
Keith Doane, GreenGROW
Laith Foad Fathulla, Student Body Government
Isao Flores, GreenGROW
Carolyn Gates, Facilities
William Hughes, Administration and Finance
Vicki Hurwitz, First Lady
Davina Kwong, Bon Appetit Management Company, Composting Team Leader
Justin Lasko, Facilities
Kaitlin Luna, Communications and Public Relations, Communications Team Leader
Carlos Navas, Facilities, Recycling Team Leader
Dr. Caroline Solomon, Faculty
Chris Spurr, Facilities
Lauren Sprague, GreenGROW
Sam Swiller, Program Development
Fred Weiner, Administration and Finance


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For any other inquiries, please contact the HR Recruitment Team at email@example.com
Star Ferry
Jan 2009
Scenery near Guilin
Supermarkets stock Marmite and Vegemite; Tim Tams and Branston Pickle. Imported fresh fruit and vegetables are often Australian and a range of Waitrose products from the UK are stocked by a local supermarket chain.
The theme park opened in September 2005 and despite being smaller than other Disney resorts, offers an enjoyable day out. Rival attraction, Ocean Park has grabbed some of Disneyland's limelight recently; especially since the arrival of another two giant pandas from China, bringing the total to four.
ESF supports Staff Members in their study for and attaining further relevant professional qualifications to enable them to perform current or future jobs successfully. Staff Members attending professional development courses may need to sit examinations to attain professional qualifications. This Policy outlines the eligibility of Staff Members to Examination Leave and explains the procedures to be followed in applying for such leave.
The cross-harbour Star Ferry ride only costs $2.20. Take your camera.
Star Ferry
Jan 2009
It depends where home is. Off-peak rates to the UK, US, Australia, Canada or New Zealand cost around 39 cents per minute with even cheaper special offers appearing periodically. Fast internet speeds mean computer 'webcam' phone calls using software such as Skype are stable and of good quality.
Compared with some countries yes, although teachers will discover that the increased buying power of superstores 'back home' has meant a levelling of prices for everything from computers to cameras in recent years. Relative to salary, however, gadgets and gizmos represent very good value.
Living in the centre of one of the world's most frenetic cities appeals to many ESF teachers. City apartments are never far from restaurants, bars and shops but are inevitably more expensive than less-conveniently located accommodation. The Outlying Islands and New Territories appeal to families and those for whom space, and even a garden is a priority. Rental rates are cheaper but remember to factor in ferry costs and the extra commuting time.
Beach on Lantau Island


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42 U.S. Code § 669 - Collection and reporting of child support enforcement data
(a) In general
With respect to each type of service described in subsection (b) of this section, the Secretary shall collect and maintain up-to-date statistics, by State, and on a fiscal year basis, on—
(1) the number of cases in the caseload of the State agency administering the plan approved under this part in which the service is needed; and
(b) Types of services
The statistics required by subsection (a) of this section shall be separately stated with respect to paternity establishment services and child support obligation establishment services.
(c) Types of service recipients
The statistics required by subsection (a) of this section shall be separately stated with respect to—
(1) recipients of assistance under a State program funded under part A of this subchapter or of payments or services under a State plan approved under part E of this subchapter; and
Source(Aug. 14, 1935, ch. 531, title IV, § 469, as added Pub. L. 100–485, title I, § 129,Oct. 13, 1988, 102 Stat. 2356; amended Pub. L. 100–647, title VIII, § 8105(6),Nov. 10, 1988, 102 Stat. 3797; Pub. L. 104–193, title I, § 108(c)(16), title III, § 395(d)(2)(E),Aug. 22, 1996, 110 Stat. 2166, 2260; Pub. L. 105–200, title IV, § 407(a),July 16, 1998, 112 Stat. 672.)
1998—Pub. L. 105–200reenacted section catchline without change, added subsecs. (a) to (c), redesignated former subsec. (c) as (d) and inserted heading, and struck out former subsec. (a) relating to statistics on need for and actual provision of services and subsec. (b) relating to types of services.
1996—Subsec. (a). Pub. L. 104–193, § 108(c)(16), substituted "assistance under State programs funded under part A of this subchapter and for families not receiving such assistance)" for "aid under plans approved under part A of this subchapter and for families not receiving such aid)".
Subsec. (b)(2), (4). Pub. L. 104–193, § 395(d)(2)(E), substituted "a noncustodial parent" for "an absent parent".
1988—Subsec. (a). Pub. L. 100–647made technical amendment to references to part A of this subchapter and to this part involving underlying provisions of original act and requiring no change in text.
Effective Date of 1998 Amendment
Amendment by Pub. L. 105–200applicable to information maintained with respect to fiscal year 1995 or any succeeding fiscal year, see section 407(c) ofPub. L. 105–200, set out as a note under section 652 of this title.
Effective Date of 1996 Amendment
Amendment by section 108(c)(16) ofPub. L. 104–193effective July 1, 1997, with transition rules relating to State options to accelerate such date, rules relating to claims, actions, and proceedings commenced before such date, rules relating to closing out of accounts for terminated or substantially modified programs and continuance in office of Assistant Secretary for Family Support, and provisions relating to termination of entitlement under AFDC program, see section 116 ofPub. L. 104–193, as amended, set out as an Effective Date note under section 601 of this title.
For effective date of amendment by section 395(d)(2)(E) ofPub. L. 104–193, see section 395(a)–(c) of Pub. L. 104–193, set out as a note under section 654 of this title.
Effective Date of 1988 Amendment
Pub. L. 100–647, title VIII, § 8105,Nov. 10, 1988, 102 Stat. 3797, provided that the amendment made by that section is effective on date of enactment of Family Support Act of 1988, Pub. L. 100–485, which was approved Oct. 13, 1988.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
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text:
Reader Story: How I Persevered and Killed My Credit Card Debt
Published on - October 24th, 2010 (Modified on - October 26th, 2010) (by J.D. Roth)
This guest post from Jeff is part of the "reader stories" feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes. You can read more from Jeff at Sustainable Life Blog.
After making New Year's resolutions while an undergraduate (at least two years in a row) to pay off my credit card debt and failing (miserably, I might add), I decided that when I went to grad school I'd get serious about it and finally get my credit cards paid off.
I was able to pay one off relatively quickly, but the other three remained rather stubborn and never seemed to go down. Finally, I figured that because I had been trying for the better part of three years to pay off my credit cards and wasn't really getting any traction, I'd turn to the internet to see if I could find people in similar situations or with strategies that worked better than mine. It wasn't long at all before I got sucked into the black hole of personal finance blogs like Get Rich Slowly and The Simple Dollar.
I decided that this was something I wanted to do. I had some great tips from PF blogs, and as luck would have it, I was just about to finish up my masters degree. I paid minimums on my debt and stocked up on cash because I didn't know what was next, and I figured that once I got a "real" job, I could pay down my debt rather quickly.
To illustrate my story, here's a graph of the major points on my road to debt elimination. I'll refer to each point in the story that follows.
Jeff's debt graph. This article will explain each numbered point.
Making Progress
It took a while to get situated into my new home and city, and that ate up much of the savings and a few of my first paychecks. I was still paying slightly more than the minimum on my debt, living like a college student, and making more than I ever had. After two months, I was able to make my first large payment (graphed point #1) and it felt great! I finally got some traction, and was on the way to paying off my credit card debt.
At this point, I was more than excited, and started forecasting the day when I'd have my credit card balance at $0 for the first time in about seven years. I figured 01 January 2010 was a goal that I could reach, still challenge myself, and I thought it was a nice way to start a new decade. Then came the car trouble.
I had little cash in savings when car problems started popping up left, right, and center. I bought a beater car to get me to work. I put it on a credit card because I felt I had no choice because I needed to get to work (graphed point #2). I kept my old car, with the intentions of fixing it and selling the one I had more recently purchased once my old one was fixed. While this plan was basically fool-proof in my head, it backfired in spectacular fashion. Once I cleaned up that mess (that I made) I was able to make another large payment to my credit card debt for two months (graphed point #3) in a row and I was back in the game!
That didn't last too long, as my old car finally became more trouble than it was worth and gave up on me. Due to my job, I needed a car, and I needed one quickly. I had money earmarked for credit card payment that month, but instead it went to a down payment on a car. I paid the down payment with all the cash I had, and then got a nice lesson on purchasing a car in the state where I live.
In most states, the dealer pays the sales tax for you and rolls it into your loan. Not here. They handed me a receipt for the purchase price of the car and the percentage of sales tax charged by my county. I thought I was in the clear, but just like that I was staring down a $2,000 tax bill. Since I'd used all my cash savings for the down payment, I didn't have the resources to pay for it, but after making big payments on my credit card for the previous two months, I had room on the card. I headed over to the county clerk and paid my sales tax with a credit card (graphed point #4).
Missing My Goal
January 2010 arrived. I had hoped to have repaid my credit cards by that date, but the debt-free train came to the station and left without me. I had a debt level only slightly lower than what I started with! I decided it was time to stop messing around. I wasn't going to have any more car problems (I had a warranty!), and it was time to get serious about knocking down this credit card debt.
Oh, but wait! I couldn't pay as much as I would have liked because my student loan payments were coming due. I cut even more out of the budget, including the cable TV, pared the budget to the bone, and got down to business. I was able to cut my credit card debt down by more than half in just two months (graphed point #5). I was finally seeing results, and it felt good!
To continue with the theme of this story, I made a small mistake and paid one of my bills twice, which threw my finances out of whack all month and I didn't make any progress (graphed point #6). No matter: I paid more than half of what I had left and kept my head down during the month of June, and paid the last of it at the beginning of July (graphed point #7).
It's a great feeling not having any credit card debt. To those of you wanting to be at $0 on your credit card debt, keep your head down and stay focused. Your day will come.
Lessons Learned
Here are some things I learned while paying off my debt:
- Life is going to get in the way of your best laid plans. Yes, my own stupidity was probably the biggest roadblock to my success, but other things contributed as well. You have to be like a bop bag in that when something punches you down, you just bounce back up.
- You have to want it. You cant just sort of wish that you could pay them all off, you have to make it a priority. Nothing's going to happen if you don't change your actions/spending.
- You can't quit. Perseverance is key to just about anything in life, including debt repayment. Find a group of people that are where you want to be, and copy their methods, or adapt them to your situation. I think if I wouldn't have been reading PF blogs and listening to other people who have eliminated debt and all the freedom they enjoy, this quest to kill my credit card debt may have been as feeble as my previous attempts.
- Don't forget what success tastes like. One of the things that kept me going in the early months of my repayment was the success that I hit at point one on my graph. Man did it feel great! And it kept the juice flowing during the times where progress was small or non-existent.
- Personal Finance is a life long journey. Keep your head in the game the whole time and your eyes on your goals, and you'll be just fine.
This article is about Debt, Reader Stories
Congrats! Good for you.
And a fun post– I love the graph and it's an enjoyable read.
Congratulations Jeff. Thank you for taking the risk and posting your story, successes and struggles alike.
It must feel great to be in control of your finances. I bet your next step is to reign in the student loans and begin saving money to pay cash for the next car or other "big" purchase.
My story is similar to yours, but unlike you I fell back into the hole, though not as deep, about one year later. I had to climb out twice. I have now learned to remain conscious of my spending to prevent a recurrence.
Again Jeff, thanks for sharing your story and giving hope to the many GRS readers who are in the struggle to gain financial freedom.
Great job!
However, I suggest others read the PF blogs closer. Emergency funds that don't rely on credit are better choices.
I remember having that exact same feeling of 'I can pay this off once I graduate and get my high-paying job!'. However, I got married a week out of college and collected more debt. But, we had two incomes, so every spare dime went to paying off debt. It did take awhile though. The credit cards were gone in a year, but the student loans took about 6 years. I hated that debt.
But, as you have pointed out, lessons are learned from having such debt. Maybe we are both better off for going through the experience and learned lessons for life! (Or that is what I tell myself…)
Great job Jeff! At least your mistakes didn't affect you too badly.
Just curious as to how you racked it up in the first place and whether you're anti-credit card now or if you use them responsibly? Also – apologies if you mentioned this – but did you use the cards for every day things while paying them off or just the big things you mentioned?
Love this post, because it really documents how difficult it is to commit to killing debt. As Dave would say, Murphy (of Murphy's law) loves to get in the way.
I think one of the reasons to establish a small emergency fund, which it sounds like you did, is to avoid putting stuff back on the card. Sounds like the e/r fund got used for start up expenses and was not refunded. It is hard to kill the credit card debt if you add to the credit card debt, sounds like you learned that lesson the hard way.
But good job and thanks for sharing.
Good post! I graduated in May 09 and remember thinking the same thing – it would be easy to pay stuff back after graduation and getting a job.
I didn't have any credit card debt, but I did take out a good bit more than I needed in student loans to live on. Luckily, I found a pretty good job in a low-cost area, so I've been able to pay those down from about $42,000 to just under $32,000 now in the past year (expecting to get under 30K by the end of 2010). My decisions didn't hurt me and my monthly payments are easily manageable, but it would be nice to have a lesser amount to pay back!
Just wish I had spent more time thinking about those sorts of things during undergrad.
good job!
I always love to hear stories about people getting out of debt. It's hard to stay on track when life gets in the way, but you have to want it.
Very impressive! With determination and focus like that, you will be a great success no matter what you do! Thanks for sharing …
Congratulations Jeff! I loved the graph. Now that you're out of debt, I would highly recommend drawing graphs in the other direction to motivate you to save!
This story sounds all too familiar! My wife and I were starting to focus on getting out of debt and our car decided to die. The bill to fix it: $3,500. We had to search for a new car (we only had one to begin with)! The whole story is somewhat comical now, but it certainly wasn't a joke when it happened. Read more about this story and find tips for saving money and investing at http://www.lifeandmyfinances.com
This post really helped me today!!!! I have a small emergency fund – and have a great snowball this month that will (would have) paid down 1/5 of my credit card debt – but my 2 year old roof has sprung a leak (part of my credit card debt) and now I have to pay to fix it. "Life is going to get in the way" that's true – this phrase helped me put this in perspective and I will persevere. Thanks!
Good story, Jeff.
Did you keep the graph as you went? It seems that such a visible rendition of debt and its
up-and-down progress would be a great motivational tool as someone is riding the debt roller coaster.
Just as some people need to pay off smaller debts to see progress, some others may respond well to the idea of an ongoing visual stimulant like this.
Good job.
Inspiring article. The graph is a great idea to really see progress.
I cut up my cards in early 2006 having racked up 25,000 on them. Its been just over 4 years and I've gotten my debt down to 3,000. It has not been easy, I also had a bunch of ups and downs along the way but I've just kept an eye on the end.
really great post, and Jeff you are right – life can get in the way of the best laid plans. That's why it's so important in the good times to get those savings accounts stoked up!
A few years ago we bought another home, and had to fix it up (serious fixer) before we could move. Then we had to fix up our first home for renting out. We ran into all sorts of problems for myriad reasons. Bottom line, we ended up carrying two mortgages for 15 months. Subsequently, we racked up $18k in credit card debt during that time, and were sick about it. Mind you, we were 47 at the time. It doesn't matter what age you are, stuff happens. The years are short, but time seems to drag on when it comes to debt!
2 years later, that debt is gone. It's meant knuckling down. Vacations = camping or day trips. We've both put in extra hours at work, done lots of home cooking, etc.
No matter your age, expect the unexpected in your life. I've found it's rarely the worries that preoccupy me that derail my plans. Instead, it's usually things I didn't foresee. But, as Will Rogers said "Worrying is like paying on a debt that may never come due". Save diligently, ditch credit cards, and just do your best.
When you are way deep in debt, the toughest thing to realize is that its not going to happen overnite.
You hit the nail on the head–its all about perserverance.
Sometimes, I didn't even look up, so to speak, to see where I was at.
You just have to keep plugging away and understand that it could be a process that takes years.
But more than likely, that perserverance will turn into a great personal habit that you can apply to just about any problem.
At least it did me.
Great job
I really liked this post because it reminded me of myself, and still does, except I havent quite hit to &0 in debt mark. I am a year out of college, and am drowing in student loans, while trying to clear up my 7900 in credit card debt. I just recently got it down to 3200, but it has been almost 2 years that I have been aggressively trying to pay it down, so thats not much to say for two years! Good job on your own!
Hi Everyone. Thanks for leaving comments. I really appreciate your input.
@Darrin – Great work on getting out of the hole. It's difficult but worth it in the end. It's never as easy as you think it will be.
@Mike – You're right, and I wish I would have had the cash at the time. I didnt, but I do now.
@everyday tips – Thanks for the advice, and I agree, we are better off for it (its always better to learn the lesson the hard way, I always say)…Unfortunately, it's much more expensive.
@Jacq – I used the cards for everyday things and for the big things I mentioned. Mostly the card use was to finance a lifestyle I couldnt afford, although I didnt want to admit it at the time.
@sam – Murphy makes a point of turning up when you dont want him to. You're right, I did have an efund, and it was used and never filled back up – Huge mistake on my part, as you can see from the graph.
@David – I graduated that same year. Congrats on finding a job, I had a rough time with it. You've made some great progress on your student loans (I've moved on to mine as well) and Hopefully I'll see you on the debt free side (along with myself) soon!
@Tara – Thanks for the tip, I'll have to start doing that!
@Derek – It's nice that you can be able to look back on things like that and laugh. It's the only way to live.
@Jesse – I'm glad I could help. Keep your head up (or keep your head down to focus?) but you'll get there, it's just going to take time.
@Bill – I did keep the graph as I went, (I have a graph of my total debt (credit cards, student loans and an auto loan) and on the same graph, I break each out individually. It's been great to see it drop month to month.
@Bob – Good luck. Just keep your focus, and if you slip up, dont let that one be the excuse to slip up again.
@Deb – Great advice, and way to knuckle down and kill that debt. Mine would have been easier if I had a bigger salary, but that could have just covered up the problem for longer. I like your quote on worry too, i'll have to use that.
@David – You're right, there's nothing that you cant do if you keep your mind on it, and I know what you mean about not looking up. Looking back on it now its crazy to look at the graph, but then I was so focused on getting rid of the debt I didnt even notice how many ups & downs there were.
Excellent post!
Not only did I enjoy the visual aide, but it was written in a great blog-style & format making it relate-able and easy to navigate.
The most important lesson that truly separates this 'Reader Story' from those before is that using real-life examples, it drives home the main point that: *paying off debt ISN'T as simple as just paying off debt.*
What I mean by this notion is that just like life there are many ups and downs, trials and tribulations, peaks and valleys, and small success and failures before the overall objective is achieved. The exact method to utilize takes a large amount of time to create and has to be catered to an individual's lifestyle and needs.
Being an individual that has been paying down his debt for nearly three years, I can speak from experience when I say: *life will often get in the way of your personal-finance goal, but ultimately, you must be tenacious and deteremined to presevere despite the circumstances.*
Great job, Jeff!
Great post Jeff- a really entertaining read. I can sure relate to paying down credit card debt, only to have life jump in and hike it back up! I too just recently paid off $13,000 of credit card debt in about 1 year. It felt really good!
Keep up the good work and continue to consciously manage your finances.
Really cool to see it graphed like that. We all make silly mistakes and all will continue to but as you show perseverance and trying will eventually lead us the right way.
Congratulations Jeff–just think how you've lightened your emotional burden of debt as well and your health will improve without all that extra stress. I have a question though…what kind of "beater" has a $2000 tax bill????
What I think is fascinating about the graph is that from point 4 down to $0 debt, there appears to be about five lump-sum payments. For me, a corollary to the "debt snowball" approach is to use lump-sums so that you can see sizable progress on your bigger debts. I do this by trying to live on one of my two paychecks per month, and using the other for debt reduction. Doesn't always work, but that's the idea.
Separately, I think it is important to note that "living beyond your means" is not difficult to do if you are a student or otherwise have limited "means." When you don't have steady income, it's easy for debts to pile up. I finished school with credit card debt, but a lot of it was for stuff like a winter coat, job interview clothes, gas and car insurance money, and prescription medication. I'd always ask myself "do I really need this?" but a lot of times the answer was "yes."
If not outright debt reduction, part of the game is also shifting debts from bad debt to less bad debt. I'd be curious if the car loan is for more than the 7K in total credit card debt, but I would imagine that the interest rate is more favorable. Also, do you have a graph for the car repayment?
I have also paid off $13K in credit card debt this year, and it does feel great. I will have a zero balance by Christmas!
What I did for reinforcement: every time I made a payment, I noted the new balance in my check register.
I also paid electronically, so any time I had leftover $$ at the end of a pay period, I sent an extra payment.
Thank you for this post, the timing couldn't be better or mean more to me. I'm right there, having finished a Master's and trying to pay for my college day sins along with student loans. It is good to know that perseverence and determination will pay off, even if there are a few ups and downs along the way.
@ Adrian – I completely agree. Many people say you can pay off debt, you just have to try. They are right, but only to a certain extent. You can get your spending under control and still have problems with money if big ticket items come up (that even an emergency fund can't stave off)
@ Benjamin – Congrats on getting rid of the debt! It is a little discouraging to have the debt climb back up right away, but I was able to swallow it because I had a plan that had been working the months prior to the debt going up (none of the things I tried had worked before)
@ forest Thanks for catching me over here forest. I'll see you around the yakezie!
@ Golfing Girl – I didnt buy a beater to earn the new tax bill. Even though I was deep in debt, I bought a brand-new car. Some say it was a mistake, but I couldnt imagine spending all the money I had on a beat up car and finding myself in the same situation again in 6-8 months. So, after a lot of deliberation and great ideas from both sides, I did what I thought was the best move. So far, I've been right.
@ Lincoln – You're right, it is very difficult to live within your means if you are of very limited means. Students are notoriously poor (they arent often called 'starving students' for nothing) and it's difficult to stay ahead of the tide if you're starting so far behind and are trying to bail out the ship with a thimble. Linclon, I also have a graph for the car payment that i'd be happy to share with you. If you'd head over to my site, you can find my email there and just send me an email asking for it and I'll send you the graph back. The car obviously cost more than the 7k credit card debt (see response to above comment) but the interest rate is 1.9%, not 18+%. The car is also a physical asset I can sell (if I need to). I cant sell anyone credit card debt
@ chacha1 Congrats on paying off the debt. Those sound like great strategies to keep you motivated to pay it off. For me, I'm a nutcase and check mint every 5 minutes (even though I havent bought anything), so seeing it there constantly helped


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"Sammy Pollock used to say all jobs are open in Montreal but who was he kidding? Nobody was going to take Larry Robinson's job or Guy Lafleur's. In our camp I refuse to tell the players that. But I'd love it if somebody took a job away from a returning player. If that happened, that would make our team stronger." Glen Sather, fall 1983
Glen Sather spent the summer on the phone talking a myriad of deals but he only made one.
For a house. (read entire article here).
- GOAL: (Andy) Moog is undisputedly No 1, one of the top four or five netminders in the league. He was unflappable most of last year and the playoffs except for one night against the Islanders when he looked like Dr. Stangeglove. Grant Fuhr has some homework to do after a poor report card last year. But he's showed up in camp in shape; a knife and fork weren't his biggest enemies this summer. Chris Smith, who had his shoulder repaired after a fine season in Moncton, is knocking on the NHL door.
- DEFENSE: Second team All-Star Paul Coffey and the NHL's best plus minus player Charlie Huddy struggled against the Isles; but Coffey will be in the Canada Cup next fall and Huddy is quietly consistent. Randy Gregg, a doctor who hasn't had to make any housecalls yet in NHL rinks, and Don Jackson were the unsung heroes of the Cup final. Kevin Lowe and Lee Fogolin (who suffered through a strange stomach for two months last year) are better than they showed last season. Sather tried to sign free agent Paul Baxter, a long time favorite from the WHA, but struck out. With that done, the only job realistically open is as pinch hitter. With Gary Lariviere gone, John Blum has the inside track. The others have ability but are in tough–Steve Smith, who tore up his knee last fall during training camp, needs a year in Moncton. #1 draft picks Jim Playfair and Jeff Beukeboom figure to be back in junior.
- CENTER: Wayne Gretzky backed out of a guest shot on the quiz show FAMILY FEUD so he'd be at the start of camp. No wonder why. He's always had the answers here. Ken Linseman is solid as the No 2 pivot but it could be very interesting with Ray Cote, Tom Roulston and Marc Habscheid going for the other two spots. Jury's still out on Cote, even if he did a superb job in the playoffs. Others to watch? Steve Graves, who was bothered last year by a bad groin and ex-Ranger Pat Conacher.
- LEFT WING: Mark Messier, who figures to get rich with his next contract (he's entering his option year) is NHL's best. Dave Hunter figures to be on a checking line and Dave Semenko will always be around, sometimes playing, sometimes breathing heavy. Jaroslav Pouzar might complicate things if he suddenly finds the range around the net. He struggled mightily in his first North American season. Free agent Reg Kerr, who had a bad back last season, is very versatile and has an outside shot. Finnish Olympian teamer Raimo Summanen will audition but will return home after camp.
- RIGHT WING: No real openings. Glenn Anderson and Jari Kurri are two of the top half dozen in the NHL at their positions. Pat Hughes tied for the league lead in shorthanded goals and Dave Lumley fills a role as a disturber. What about Willy Lindstrom, who played sick here for part of the time here this spring? He's a better right winger but might find a spot on the left side, unless Anderson moves over to play with Gretzky and Kurri. Bart Yachimec, who did a big job in Springfield last year until he was hurt, and ex-Red Wing-Capital-Whaler Tom Rowe bear a long look, too.
Jim Matheson has an article up in the EJ about Theo Peckham and his problems at this camp. I have always felt Peckham was a solid prospect and still believe he can have a career. However, at this point the organization may want to send him on his way, on to the "get a second opinion" phase of his career as MacT once said about Brad Winchester. I've always cheered for Theo, and will continue to do so, but we're going to be saying goodbye to a lot of Oilers in the next three seasons and not being ready for this camp may spell the end for him as an Oiler. With Klefbom, Marincin, Gernat, Musil and others on the way, all of the current Dmen pushing for NHL employment should be trying to make an impression on the new head coach.
Theo Peckham certainly made an impression.
The 23 man list could be:
- G Devan Dubnyk
- G Nikolai Khabibulin
- D Ladislav Smid
- D Jeff Petry
- D Nick Schultz
- D Justin Schultz
- D Ryan Whitney
- D Mark Fistric
- D Corey Potter
- C Ryan Nugent-Hopkins
- C Sam Gagner
- C Shawn Horcoff
- C Eric Belanger
- L Taylor Hall
- L Nail Yakupov
- L Ryan Smyth
- L Ben Eager
- L Darcy Hordichuk
- R Ales Hemsky
- R Jordan Eberle
- R Teemu Hartikainen
- R Lennart Petrell
- R Magnus Paajarvi
which means Colten Teubert and Chris VandeVelde would go back down. If Peckham doesn't go on IR, then Paajarvi probably heads to OKC. With the team playing at home against San Antonio tomorrow night, the cuts should be coming sometime today.


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My second revision in two years was really ugly. (the first revision gave me symmastia, the second revision gave me pain and was not "pretty") I stress the first two revisions were NOT by Dr Schreiber, but by "top rated" board certified, experienced plastic surgeons. I was also in pain for one year until Dr Schreiber finally did the revision correctly.
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