text:
UK Records Best Finish in 20 Years, Ties for Fifth at SEC Championships
Harris finishes second overall, while Breed places tied for sixth to lead Wildcats to best finish since 1993.
Women's Golf Tied for Fourth Following Day Two of SEC's
Breed and Harris tied for fifth overall at 5-over-par through 36 holes.
Wildcats Tied for Third after Day one of SEC Championships
Freshman Sarah Harris tied for first overall at 1-over-par.
Women's Golf Heads to SEC Championship
UK will begin the Southeastern Conference Championship Friday morning at the Greystone Golf and Country Club.
Women's Golf Wraps up Tiger Golf Classic in Eighth Place
Albrecht records second top-10 finish of the year, tying for seventh at 9-over-par.
Kentucky Women's Golf Practice - 8/29/13
Action photos of the Kentucky women's golf team during a practice round at the University Club. (Chet White/UK Athletics)
2013-14 (Sophomore): Ranked fourth on the team with season scoring average of 75.40... Had one top 10 finish and two top 20 finishes on the season... At the 2014 SEC Championship, she played the most consistent of all her teammates, finishing in 18th place with a 225 (75-75-75)... Her low 54-hole round came at the UCF Challenge where she carded a 214 (72-72-70)... Named SEC Co-Golfer of the Week on Feb. 12, after her performance at the UCF Challenge... Became the first UK women's golfer to earn SEC weekly honors in program history... Tied for 24th at the "MO"Morial Invitational.
2012-13 (Freshman): Finished third on the team and second among freshmen with a stroke average of 75.81 ... Recorded one top-10 finish on the year, placing ninth at the Old Waverly Bulldog Invitational, helping UK win its lone tournament of the year ... Her low 54-hole round of the year came at the Alamo Invitational, where she shot a 219 (75-74-70) ... Shot season low round 2-under -par, 70 at the Old Waverly Bulldog and Alamo Invitationals.
Personal: Born January 6, 1993 ... Daughter of Ralf and Eveline Damerau ... Has two younger brothers, Sascha and Michel and an older sister Jamina.


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By Sean Giggy
(WAOW) - Wausau East's Bryan Miles rolled to the state tennis meet with a straight sets win in his number one singles sectional final last week.
For the complete story, click on the video link to your left or read below.
Bryan Miles has been dominate in his trip to the boys' state tennis finals. The top singles player for Wausau East breezed through the SPASH subsectional before beating Eau Claire Memorial's Christian Phelps in straight sets to earn a trip to the state finals.
"It's definitely a good way to end the season, going down to Madison," Miles said. "I'm done with school, so I can just focus on tennis now. I'm really looking forward to it."
"I expect Bryan to have a really good tournament and just be playing his best tennis," said Wausau East head coach Trevor Knight. "He's been playing his best tennis now. I think he prefers to play indoors, so I think that'll definitely help him out."
Thursday will mark Miles' third trip to the state finals. He missed out on a state berth his junior year because he spent the season at a tennis academy in California, but he says that experience has him more prepared this time around.
"I became more match smart, playing better on key points, my fitness too and just playing all different kinds of players really helped with the competitive aspect of things," Miles said.
"I don't think there are many players more focused or determined than Bryan," Knight said. "He's really had a great season as far as matches go on he's gotten better and better, so right now he's playing his best and I think that's what's really going to help him out down at state."
Miles is seeded 16th and knows a state championship will be difficult, but he feels confident in his ability to go deep into the tournament.
"Third round I'll have to play the fourth seed who's a tough player. After that, I'll have to play the five seed, so I don't want to look too far ahead, but I want to make a deep run."
Online reporter: Sean Giggy
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text:
A main break sent water rushing in an area along Hurricane Road Saturday night.
More security is on a business college campus in Alabama because someone keeps driving by Virginia College in Homewood, and they're shooting paintballs at the building where cosmetology classes meet.
It has happened three times over the last couple of weeks.
No one has been hit, but the paintballs have left their mark.
School officials said someone probably means it as a joke, but it's not funny, and they're working with police to catch the culprits.
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- Muhammad Aizat Zainal Alam
- Shah Alam, Selangor
- Malaysia
This conversation is closed.
How would you advise a person who would like to explore the world, yet has no money at all?
Apart from trying to obtain some cash, what would you tell these sort of people who would like to learn new cultures and meet people of various backgrounds yet has no financial means to do so? Would love some creative answers. =)
Showing single comment thread. View the full conversation.
Feb 1 2013: In the old days I guess you became a trader or a sailor. Now perhaps an interpretor or translator, how about becoming a local tour guide for the tourists then moving on to becoming a holiday rep. Working in bars and hospitality is a bit limiting because you only get to meet people trying to have a good time. People who develop a very deep knowledge of their local culture's spiritual traditions seem to do very well. Generally (again) living on the coast near a trading port might be an option. You can explore the world virtually, not sure if it is correct to name the way to do it but a certain well known search engine, has a very well known ?application called Earth. It's not the same as feeling the sun on your face or the wind in your hair though. You are so right in saying a lack of financial resources limits mobility, getting a passport can cost a fortune in some countries and you just try travelling anywhere without one. One way of learning about cultures and people is to read about them at the local library, thousands of 'voices' just in book form. Diffferent times in history, different circumstances etc. Actually I have found one of the best ways to meet some really interesting people is to talk to people (safely please) on the local public transport network. Volunteering to record 'lived memories' with the oldest generation is also a brilliant way to meet different cultures and backgrounds though it is second hand and has to be filtered through the other person's lived experience. :D.
Feb 2 2013: Exactly what I'm currently going through.Getting a passport is one thing, a flight ticket another.What boggles my mind is that I often see teens and young adults from Western countries having the means to travel while it remains as something impossible for people like me who live in the far east.
How do these teens who hail from western countries manage to acquire the means to travel?
Feb 2 2013: In Europe it is in the interests of the dominant political and cultural structures to have a highly mobile labour force. Whilst Europe still consists of several distinct sovereign states, it is also now a highly 'emeshed' continent in that all the nations are subject to the rulings of the European Union. It is a constant debate in the media of our country about how E.U. 'rules and regulations' seem to take precedence over our own, to the detriment of what is actually a very geographically small area. I understand in the 'good old days' of the British Empire, the U.K. land mass was actually drawn in a way that still makes it look larger than it is on maps. So yes, step 1 get your travel documents and keep them updated once got. In many countries you will be forced to queue for days to get the appropriate forms to apply for 'permission to enter' another country now. Even then once a 'request' is submitted, it can be declined so despite the cost, if you can at all, get your documents asap. In the meantime the ease of mobility for a younger generation is a 'mixed blessing' because it does mean huge geographical dislocation between families is possible, which really starts to impact when you have children of your own, become ill or age in general. Teens and young adults are really only following an idea from their grandparents times (ie that cohort who grew up in the 1940s and 1950s that 'anything is possible'. So grateful to have the opportunity to speak to you through TED and hear about you. Essentially I understand it is so much about an individual's motivation to travel AND the available infrastructure. Someone who has to move to feed themselves and their children is always going to be more determined and yonng people have the assets of hopes and dreams and physical health that older people don't. The sheer cost of aircraft fuel will possibly curtail long distance travel. Still encourage you to keep 'going for it', just be aware of the cost to yourself.
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Audio coding artifacts: What to listen for
0 comments post a comment
A CD-ROM tutorial on perceptual audio coding titled "Perceptual Audio Coders: What to Listen For" is available from the AES. It's designed to familiarize listeners with various types of audio coding artifacts and help make it easier to recognize them.
The CD presents the underlying principles of perceptual audio coding - a technique used in lossy compression to eliminate sounds in digital audio content that theoretically cannot be perceived by the human ear - along with a variety of examples of coding artifacts, sorted according to type and severity.
The CD includes a total of three tutorials on audio coding principles and eight different chapters on audio coding artifacts. It's the first such educational/tutorial CD-ROM from the AES, and is available for $20.00 for non-members, $15.00 for members, $15.00 for student non-members and $10.00 for student members.
Comments, questions or suggestions? Email me at firstname.lastname@example.com.


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Jeremy's Personal Stories
Small Cool Contest
Like this entry? Favorite it below!
- Name:
- Jeremy
- Location:
- New York, NY
- Square Feet:
- 875
- Division:
- Small
- What I Love About My Small Home:
- Although the apartment has collectable designer pieces, the apartment was furnished on a very low budget and we paid very little for our furniture. We have a personal connection to almost every piece, and with every piece there's very a personal story as to how it was acquired.
With the exception of a very few ikea pieces, everything in the apartment is either hand made or restored. The origami sculptures, bookshelf, coffee table, and dining table (made of church floorboards) were made from scratch. Old Eames shells and the DJ booth credenza were once in horrible condition.
The apartment is very modular. Doors on either end of the credenza open up to reflect sound from speakers hidden inside the credenza and diffuse sound. The coffee can lengthen or shorten. The living room can also be quickly converted into a photo studio by simply moving two pieces of furniture and setting up foldable backdrops and lighting equipment.
- Biggest Challenge of Living in a Small Space
- The space is very irregular. Making CAD models with different furniture configurations helped to optimize the layout. We prefer a lot of open space, but we also wanted a large bookshelf , a full dining table and a DJ booth. To minimize the furniture footprint, we chose pieces that do not extend far from the wall. The TV credenza, my desk, and DJ booth credenza are only 15" deep, and the bookshelf is 12" deep. Furthermore, most surfaces are less than 30" tall. My bed, the TV credenza, and coffee table are all around 15". By providing more space vertically, the apartment seemed larger. Storing our bikes was an issue as they're always visible. Thus, we chose minimal bikes, such that they simultaneously served as an unobtrusive decorative elements when stored in our rooms.
We have 20 chairs in our apartment and storage is an issue. However, we opted for stackable Eames chairs and Aalto stools that store easily in our coat closet. When we are not entertaining only 9 chairs are out.
More posts in this series
Small Cool 2012
55 Comments
Really lovely! I love the restrained colors and slim furniture! Of course, the MCM pieces are my favorite!
That sculpture over the bed is FANTASTIC.
Finally an apartment in this contest that doesn't have something on every square inch of space. I love the editing and thoughtful placement of each object.
I love the spareness, order, and serenity in this apartment. I guess I'm just so tired of the clutteredness of the trends that have dominated the past decade.
Really admire the restraint. Careful editing is much more difficult to do than simply piling in every favorite thing. How refreshing.
Can we get a post on those origami sculptures?
Where do I get that bike rack?
So great. I think we've seen this home before.
The bike hook is from Mountain Equipment Co-op. I have the same one. It's fantastic.
At 875 sq ft, I think this is a ginormous space for one person. Especially in New York, NY. I love everything about your place, mostly the simplicity.
@SANDINMYUNDERPANTS - I'm pretty sure two people live here. The post refers to "we" several times, and there are two bedside lamps.
Lovely space Jeremy, from the artwork above the credenza, sofa and bed to your awesome dining table. Proof that furnishing a home doesn't need to place gaping holes in your budget! As a fine of optimum lighting I love your window as well.
Overall great place. Another entry in which would be great to see in person as well.
ive seen this here before
This is my favorite so far. The style is so me. Love the cleanness & modern pieces. Those art pieces are just too incredible.
It's very tasteful but seems small for 875 ft, compared to some of the other entries.
This is a bit Spartan for my tastes - not even a loose cushion on the sofa? Hard core!
The origami sculptures are lovely. What are they constructed out of? Were they designed in CAD as well?
Wonderful. Makes me want to go home and bag up all of my junk and donate it.
Found the answer here: http://www.apartmenttherapy.com/jeremys-recent-grad-resourcefu-130747. Very cool guys!
Not a lot of changes since we saw it last time, but still worth another look. Does feel a bit sparse for me, but I love all your DIY. Where did the bedroom desk come from? I have been looking for the perfect narrow desk for my office nook. If I find out you made i'll be impressed, and sad.
The comments for this entry remind me of Hans Christian Andersen's "The Emperor's New Clothes."
PROFKD, I wanted to buy the malm desk from ikea that goes with the malm bed. However, it was out of stock, so I built the desk myself.
PI, here's a tutorial for the tessellation
Love this apartment since I first saw it in House Tour. Love all those sumptuous woods.
The photos in this entry don't give it much justice though. But I hope it wins!
Interesting even though it is rather sparse...I bet you get a lot of work done cos there's not much clutter! Cleaning must be a breeze!
I love this apartment, but how many times is Apartment Therapy going to showcase it?
Whoa, is that a sungka set aka mancala I see on the table. Cool! Awesome space.
I applaud the restraint (even though I'm not a minimalist) and how everything fits together stylistically. Even the bike looks sculptural.
Love the simplicity and the art above the bed. Nicely done!
THIS is how you do small! Great job!
Love this a lot (except the bike, will never understand why someone would take their filthy bike into the house).
Best apartment I've seen in the competition so far!
I love this. To me, this is the winner. It's a tad spartan but I'd rather have that then too much clutter.
Well Done!
This is beautiful. Spare. A man's apartment. A bit to trendy though. Two different Eames chairs? Reclaimed wood all over the place. Oh I confess. I'm jealous.
I would love to make those bookshelves in my house, any chance of getting instructions? Or a link to where I can find them online?
The definition of restraint.
Beautiful! I love the sparseness, it really makes your beautiful art collection shine. Great job. Good luck.
Gorgeous. Best entry in the competition so far! Good luck!!!
remember this one from the house tour. lots of good diys!
This is the first one of these contests I've seen. Are there other entries that have already been featured as tours on AT? I thought the point was for the site to find new talent. I'm confused.
http://www.apartmenttherapy.com/jeremy-ralphs-bachelor-pad-hou-124725 I knew I saw it before! Still love it though.
I loooove the recessed lighting combined with the bookshelf. It turns the books as a collective whole into an artistic focal point!
This should rock my world. It has all kinds of great design elements, it's minimalist, it has a bike on the wall and the bike is even coordinated, there are great furniture pieces, it's all what I love and aspire to emulate. But it has NO SOUL. Not one tiny piece of personality. Not one. It is basically like an uber-trendy store's window display. I'm sorry, it just does not do it for me.
Kreibtron, here is instructions on putting together the bookshelf. http://www.the-brick-house.com/2009/09/shelving-unit/
I do not agree with this place having a lack of soul though. You can feel it pouring out of those images. It may not shout but it does murmur and I appreciate that. So many people have places were they can hardy walk or there is only "one" correct path through the house. Jeremy has no fear of company inviting themselves over.
minimalism done well, very nice. the only thing I was a little unsure of was the rug in the living room, but I think I get it, the origami sculptures are awesome
love the simplicity and clean lines throughout the apartment.... nice work
Lovely, but somehow feels cramped at 875 sf,
I love, I love, I LOVE. Soul comes in so many different shapes and sizes, you guys. This space has tons of it. And I'm totally trying the origami tessellations.
those sculptures MAKE it!
Needs some colour and softness in my opinion. maybe just another rugs in the dining area that can easily be moved when you need to set up for a photo shoot or changing to a different colour of the living room rug.. I'm assuming at least two people live here or you are a lucky boy to have a two bedrooms all to yourselves. The art adds good dimensions but there is still so much hard flat surfaces, you need contrast to make those planes work.
I love the simplicity!
I agree with everyone that commented on the tasteful editing.
Wonderful style! Love the art above the bed. How do you do that?


text:
Please enter a valid mileage
Curious about the newer model? Check out the 2002 Dodge Ram Wagon 2500
Information shown for entry-level Van/Minivan.
|Fuel Economy:
City 11/Hwy 13/Comb 12 MPG
|Max Seating: 15
|Engine: V8, 5.2 Liter
|Transmission: Automatic
|Country of Origin: United States
|Country of Assembly: Canada
To compare current market prices, check out KBB.com's car classifieds to view the new and used Dodge Ram Wagon 2500 vehicles for sale near you.
Based on 33 Ratings for the 1993 - 2002 models.Review this car
By Opie on Tuesday, September 02, 2014
I own this car - My approximate mileage is 143,698overall rating 8 of 10rating details
Pros: "your will enjoy the room when traveling"
Cons: "When fully loaded the mileage goes down."
Likely to recommend this car? (1-10): 8
"This van fit our family size. When we first got it it felt like a motor home, so nice to arrive feeling fresh. I used it once a month for moving a large group of kids and towing the stuff needed. Our family has grown smaller and so has the need for this large van.,"
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By Ryno on Wednesday, July 30, 2014
I want this caroverall rating 7 of 10rating details
Pros: "Work horse"
Cons: "Gas guzzler work ink on it's a botch"
Likely to recommend this car? (1-10): 10
"I bought it for for and my dogs it I put a 3" loft on it and big fat tires and made it mate black murdered out a safari van it's one of the funnest cars I've owned!"
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By TomLeinas on Sunday, April 06, 2014
I own this car - My approximate mileage is 250,000overall rating 8 of 10rating details
Pros: "fast, big, looks great, drives great."
Cons: "bad on gas"
Likely to recommend this car? (1-10): 8
"Ive been driving my Ram truck for about 5 years now, and i have to say it has saved me plenty of times in a rough situation. Its very durable, semi- heavy duty, picks up speed incredibly fast. As long as you make sure it is well maintained and, do not drive it like its a abrams tank she will run smoothly for a long time to come."
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By Margo on Wednesday, October 30, 2013
I own this car - My approximate mileage is 173,000overall rating 9 of 10rating details
Pros: "Great Price, lots a room, easy Driver, Lots o Powe"
Cons: "Needs Better side windows and radio, needs towing"
Likely to recommend this car? (1-10): 10
"Dodge does it again! One of the best trucks of its type that I have driven. For her age, you can't get better. Lots of power, responds well and with safety in mind, tinted side windows, no tipping side to side, solid roadhugger. If you don't require a lot of fancy electronics and interior stuff, shes for those who prefer Practical and comfy to Luxury. Has cup holders, auto trans, shift on wheel, a/c and climate control, cruise, stereo radio, cd, seatbelts, ceiling lites, nice heater, upholstered interior, Leather. Mine doesn't have the running boards and handles to grab in order to get in. She's a little highup for me as a Senior, so would like these as standard equipment. The radio is cumbersome to operate when you want to get to a particular station (can't get her off the autoscan) especially for weather reports (important when on long trips). And need something easier to operate for clock. Sound is very good, and good visibility for the driver. Gas mileage is pretty decent for this vehicle. I get 13-15 mpg carrying no heavy cargo. She has 3 bench seats holding 9 passengers behind the driver, so with 2 in front that makes 11 total seating capacity. The most serious drawback to this vehicle (a 2000) is the side windows are not power and one has to unlock the small push-out handle. The windows only open part way and they are the pushout type, good for safety but could be a problem re enough ventilation on hot days. Also rust can form on the handles. This can be improved upon. Because these vehicles are scarce and becoming more so, I will keep mine and have my Restorer give me what I need. Remove some of the bench seats and you've got a great cargo van and a great little movingvan. Great for animals and all your stuff. A couple Great Danes or Mastiffs can fit comfortably. This type vehicle is not for just anyone. For those who like big and roomy, and a smooth ride and good window visibility, easy Driver, You feel safe, then this may be your dreambaby. Sorry, you can't have mine, but hope you find yours."
2 people out of 2 found this review helpful
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By bandman on Monday, May 13, 2013
I own this car - My approximate mileage is 199,000overall rating 10 of 10rating details
Pros: "Ridiculous space. Drives like a dream. Dependable."
Cons: "No cruise control."
Likely to recommend this car? (1-10): 10
"First off, the pictures don't do this van justice. It is HUGE. Which is exactly what I wanted. When is says you can seat 15 people, you can actually seat 15 people comfortably. I bought this van for my band to tour in (basically live in on the road). Let me say, it has enough space for whatever you plan on using it for. I've seen people build bunkbeds in these things. If you are looking for a van for hauling equipment, people, basically anything in....this is the van for you. The seats are easily removed and create a HUGE cargo space. I have hauled a giant Harley in the back of this thing, and still had a row of seats in it. I've toured with 6 guys who had to all sleep in it, and we were able to do so comfortably. You just have to get creative. Obviously, the only drawback is the lack of fuel efficiency. However, if you are looking for a big car, don't expect to get any kind of normal gas milage unless you get a sprinter. Overall, this thing is great. 200,000+ miles and still kicking off the original everything in the engine. I know people who have gone 400,000 miles on the factory transmission. You just have to take care of it. Like any car."
2 people out of 2 found this review helpful
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By pappy on Monday, March 26, 2012
I own this car - My approximate mileage is 250,000overall rating 8 of 10rating details
Likely to recommend this car? (1-10): 8
"this has been a great van for us the last 10 years. we used it to flea market all over the southeast. only problem has been the bus mirrors constantly getting loose."
1 person out of 1 found this review helpful
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text:
Credit Scoring
Although it is usually the prospect of matching funds that brings people into AFI-funded IDA projects, with asset-specific training and support services playing a key role in keeping account holders on track, financial education can have an important and lasting effect on IDA project participants. In a 2003 survey by the Consumer Federation of America (CFA), only 2 percent of people said they knew their credit scores.1 Only 3 percent of the people could name all three credit bureaus—the organizations that provide the information from which credit scores are derived. Even people who drop out of IDA projects before purchasing assets with their savings can benefit from the financial education they receive. IDA projects can have both immediate and long-term benefits by teaching participants the basic principles of budgeting, using financial services, and managing credit.
This article is designed to help AFI grantees understand and convey to IDA project participants the basics of credit scoring. AFI project staff will be able to help participants understand the reason credit scoring is used, who makes credit scores, how credit scores are derived, how credit scores are used, and practices for increasing credit scores. They often know they "have a number," but they do not know how to get the number, what the number means, or how it is calculated.
What Is a Credit Score?
A credit score summarizes key pieces of a person's credit history and is presented on his/her credit report as an overall number. The number is derived using a mathematical formula (or "model") known only to the company that develops the credit score.
In general, credit scores are supposed to predict the likelihood that an individual will pay off his/her credit obligation as agreed. FICO (for the Fair Isaac Corporation) scores, for example, are specifically designed to "predict the likelihood that a borrower will default on any credit account within the next two years."2
In most credit scoring models, a high number or credit score represents a low estimated risk to lenders. In other words, people with higher credit scores are supposed to be less likely to miss a loan payment than people with lower credit scores. Based on a scale that runs from 300 to 850, if a person has a FICO score of 600 or below, he/she has a 50 percent chance of being seriously delinquent in the next 2 years. By contrast, people with a FICO score greater than 701 have less than a 5 percent chance of being seriously delinquent.3 According to FICO, the median FICO score for the national population did not change between October 2008 and April 2009, and based on Equifax data alone, the national median FICO score remained 713.
The companies that produce credit scores use different credit scoring models. As a result, a person can have slightly different credit scores from different credit score producers. He/she might also have multiple scores from the same credit score producer. For example, FICO scores are based on information provided by the three main credit reporting agencies, and different information from these agencies can result in different FICO scores. The information provided by each of the reporting agencies is likely to be different because not all creditors report to all three agencies, and the agencies do not share information. Therefore, entire credit accounts may be missing from one credit report but present on the other two, for example. Although credit scores might vary for the individual, they will tend to be in a similar range.
In general, if lenders are looking at all three FICO scores (a credit score derived from each of the three credit reporting agencies), they will consider the middle score. But lenders might be looking at a completely different credit score or set of scores than the individual because there are so many.
In addition to the credit scores people generally know about, the credit scoring industry has specific products to serve defined target markets. For example, FICO and Equifax have developed a FICO Mortgage Industry Score that is supposed to be a 25 percent improvement for some markets on assessing mortgage repayment risk. This score will be available only to lenders in fall 2009. In addition, the new FICO Expansion Score is designed to predict credit risk for people who do not have enough credit history from which to generate traditional credit scores.
Credit score companies, as well as many in the financial services sector, generally assert that using credit scores makes credit more widely available and results in less discrimination. This is because credit scores derive from the same process for all consumers, regardless of age, sex, race, and ethnicity, or other individual characteristics that have historically been associated with discrimination in lending.
Who Makes Credit Scores?
Credit scores are primarily created by businesses that specialize in data and information management, by financial institutions, and by credit reporting agencies. Many companies make credit scores, but FICO is widely regarded as the dominant business in the credit scoring industry. In general, a person has three FICO scores based on the information provided by each of the three major credit reporting agencies—Equifax, Experian, and TransUnion. Each score is based on one of the credit history files the credit reporting agency maintains.
In addition to a FICO score based on data from the three credit reporting agencies, each of the agencies also offers its own credit scores. These are generally based on different ranges than the FICO score and can be purchased directly from the reporting agencies. For example, Experian sells the PLUS credit score and TransUnion sells the True Credit score. Neither the PLUS score nor True Credit score is connected in any way with FICO.
In 2006 the three major credit reporting agencies developed, through a joint venture, a new credit score to compete with FICO called the VantageScore. Whether lenders will abandon the long-used FICO score in favor of this new model is unclear for now. The differences between FICO and VantageScore are discussed further below.
Why Credit Scores Matter
If a person needs to borrow money, his/her credit score will likely determine whether he is approved for the credit and the rate he/she will pay to borrow the money. As such, a credit score provides access to credit and sets the price of the credit in tandem with the prime rate, which is based on the Federal Reserve funds rate.
The following example, based on the calculator on the myfico.com Web site, shows the impact that different credit score ranges can have on the cost of funds to a consumer. The table below is based on a $100,000, fixed, 30-year loan.
A person with a credit score of 670 would pay 42 percent more interest than a person with a 735 credit score, for example.
While the lending industry has historically been the biggest user of credit scoring, other industries have also started using credit scores as a shortcut to doing risk assessments and making decisions. For example, insurance agencies have other scoring models to assess customer risk, but also use credit scores to help paint the full risk assessment picture of a potential customer. In general, lower credit scores result in higher rates for coverage, and sometimes even denial of coverage.
Employers use credit scores as a proxy for trustworthiness, even in jobs that are not related to financial management. In some states, legislators are trying to outlaw the use of credit scores and credit reports as a screening mechanism for employment. Until they are successful, getting a job may be contingent on having a good credit score.
Like insurers and creditors, property owners are increasingly using credit scores to assess quickly the risks of renting to a particular individual or family. Bankruptcy (as reported on credit reports) used to be seen as the primary credit-related barrier to renting a place to live. Now, credit scores can also factor into the decision.
Finally, utility companies that require consumer deposits are using credit scores to help determine deposit levels for consumers. The lower the credit score, the higher the deposit because of the perceived risk that people with low scores are likely to be late or even miss payments.
About three-quarters of the adult population in the United States are believed to have credit scores.4 However, many people do not understand their scores or the impact they can have on their ability to get credit, insurance, employment, housing, and utilities. Given the potential for credit scoring to impact so many areas of a person's life, it is important for people to understand what affects credit scores and what is affected by them. This knowledge can empower people to monitor their credit scores and take steps to improve them.
Credit Scoring and AFI Project Participants
Many people enrolled in AFI IDA projects are already concerned about their credit scores because they have heard they might have one and are not sure what it means. Generally, they have a vague notion about credit scoring and often know that qualifying for conventional credit is linked to this number.
IDA project participants with troubled credit histories often have low credit scores. This is primarily because the credit score is derived from information provided by credit reporting agencies on consumer credit reports. By giving participants information about how their bill-paying practices affect their credit scores, IDA project staff can empower participants to begin to improve their reported credit histories and credit scores.
Improving their credit scores is very important for project participants saving for a home purchase or small business development. Their credit scores can determine whether they will qualify for loans and loan terms. AFI projects provide a unique opportunity to affect participants' credit scores in three distinct ways:
Some AFI project administrators use credit scores as an indicator of improvement in participants' economic conditions. At enrollment, project staff collect a person's credit score, which provides the baseline score against which to measure improvement. Then on some predetermined schedule, staff obtain his/her credit score again from the same company that provided the baseline score. Comparing to baseline scores, staff can measure changes in scores that occur as participants complete their financial education and prepare for their asset purchases. Because there are so many credit scores, AFI program staff must select one credit score to use for the baseline and subsequent comparisons.
What Is Included in Credit Scores?
The simple answer to what is in a credit score is "it depends on the credit score." Each business that generates credit scores uses its own set of information, and one business may have information that another does not have. This is why it is so important for AFI project staff to obtain credit scores from the same agency if they are planning to use the scores to assess changes in their participants' economic circumstances.
In general, most credit scoring models take into account a person's:
However, different models assign different weights to certain types of information. This section compares FICO scores to VantageScore.
FICO scores are currently the most widely used by lenders. FICO scores range from 300 to 850, with the higher scores seen as more positive. The scores use five data categories to generate a person's score. The five categories include:5
Late payments, especially habitually late payments, indicate a higher level of risk in the scoring model.
High credit utilization rates are associated with higher levels of risk for lenders because they mean the person has tapped all or a greater percentage of his/her available credit.
The longer the credit history, the more information the model has from which to derive a score.
Repeated attempts to open new accounts may signal that a person is becoming over-extended.
The chart below shows the weight given to each of these factors in determining the overall FICO score.
Developed as a joint venture among the three major credit reporting agencies, VantageScore was launched in 2006. Rather than the 300–850 credit score range used by FICO, the VantageScore range is 501–990. Ranges within the VantageScore range are also assigned a letter grade A through F.
The VantageScore is based on six data categories:
The chart below shows the weight given to each of these factors in determining the score. At this point, it is unclear how widely used the VantageScore will become.
What Is Not Included in Credit Scores?
While there are many pieces of data about a person that go into calculating his/her credit score, some things cannot be included. The Equal Credit Opportunity Act prohibits the following items from being used in determining a person's credit score:
In addition, FICO specifically does not include a person's age, salary, occupation, title or employer, employment history, or place of residence. FICO does not consider interest rates being charged on credit accounts, child or family support obligations or rental agreements, or whether the person is participating in credit counseling.
FICO also does not count certain inquiries against a person's credit, including:
In general, FICO does not use any information that is not found on a credit report produced by one of the three major credit bureaus. Other credit scoring models may consider some of these factors even though FICO does not.
How Consumer Actions Impact Credit Scores
Credit scores are not static: They change regularly because consumer actions change regularly.
Many consumer actions impact credit scores. As outlined above, increasing credit utilization rates and not paying bills as agreed can cause credit scores to drop.
Closing credit accounts can also cause scores to drop for two reasons. First, if participants close their oldest accounts that have been inactive (e.g., a credit card opened at 18 years of age but not used much in the last 10 years), this shortens the length of credit history, which may cause a drop in credit scores. Second, closing accounts that have unused balances can cause the overall credit utilization rate to increase.
When consumers generate inquiries to their credit reports because they are shopping for credit, this may cause a drop in the scores. However, if someone is rate shopping for a particular kind of credit—looking for a car loan or shopping for a mortgage—all inquiries generated by the consumer within a 30-day period in a particular credit category are counted as one inquiry and will not adversely affect the credit score. This is a change in credit scoring models brought about by innovations in financial services that made rate shopping easy for consumers.8 Inquiries generated by a consumer for credit cards, department store cards, and other forms of revolving credit will likely negatively impact the credit score for each occurrence.
The following example developed by CFA and FICO and presented on a Federal Citizen Information Center (FCIC) factsheet shows the impact of specific consumer actions on a credit score over 2½ years.
The Role of Credit Reports in Credit Scoring
For FICO and VantageScore credit scores, the information used to develop scores comes from credit reports. In fact, FICO specifically states that all the information it uses to derive consumer credit scores comes from the credit reports generated by Equifax, TransUnion, or Experian.
Therefore, one of the most important issues for addressing credit scores is ensuring the credit reports from which they are generated are in fact accurate. An estimated 79 percent of all credit reports may contain some kind of error, and 25 percent contain errors that actually result in denial of credit.9
Getting and reviewing all three credit reports with AFI participants is the first step in improving their credit scores. This is covered in detail in the next section.
Strategies for Helping Participants Improve Their Credit Scores
Because so many decisions are based on credit scores, AFI participants will want to know what they can do to improve their own scores. Unfortunately, no easy answers or quick fixes exist in most cases. The following section provides several strategies for credit score improvement.10
The first step involves getting information. Participants should get their credit reports from all three credit reporting agencies and review them for accuracy. Participants should be encouraged to get their annual free credit reports (one from each of the three major credit reporting agencies) as established by FACTA. Three options are available for doing this: accessing a Web site, making a phone call, or making a request via mail.
Many people find that requesting the report via the mail-in form is less cumbersome. However, accessing the reports via the Web site will result in immediate access to the information.
If errors are found, participants should submit letters of dispute to correct them directly to the credit reporting agencies. Each credit reporting agency has an online process for submitting letters of dispute. Encourage participants to print copies of anything they submit electronically for their records. They can also call each credit reporting agency or write to them directly using the following information.
Second, AFI participants should be encouraged to get their FICO scores. FICO scores are available at www.myfico.com. Consumers can get their Equifax FICO score or TransUnion FICO score for $15.95 each. The Experian FICO score is no longer sold directly to consumers. Credit scores can also be ordered directly from credit bureaus. Those sold directly from the credit bureaus may not be FICO scores. For more information on ordering credit scores, see the appendix at the end of this article.
Third, participants should be assisted in setting up systems to pay all bills on time. Paying all bills as agreed will have the biggest impact on their credit scores, as 35 percent of the FICO score is comprised of their bill-paying track record. In terms of credit score, this is more important than dealing with an account in collections. Getting current if payments have been missed, and staying current with accounts, is key to improving and maintaining higher credit scores.
The fourth step is for participants to focus on paying down debt balances. This has to do with getting the amount of total outstanding debt lower and getting credit utilization rates into a range that does not negatively impact credit scores. Historically, consumers were told to keep their credit utilization rates around 50 percent. Most experts now agree that 20 percent is a better target to prevent negative impacts on credit scores.
This issue has been complicated during the economic crisis. FICO estimated that at least 30 million Americans had their credit limits arbitrarily reduced during the second half of 2008.11 In many cases, credit utilization rates literally changed overnight for customers even though there was no change in their behaviors. The decrease in credit limits for consumers is a result of financial institutions' desire to limit their risk during the recession.
Following is an example based on a hypothetical consumer, David. As shown in the table below, David's credit utilization rate increased from 22 percent to 53 percent as a result of the adjustment to credit limits, even though there was no change in his behavior. The increase in credit utilization could ultimately lead to a decline in David's credit score and increase in the cost of any credit he seeks in the future.
For credit scoring purposes only, consumers should pay down debt where the credit utilization rate is highest first, even if the interest rate on that debt is not the highest among the debts owed. This goes against conventional advice given to customers about paying down debt. Some financial advisers recommend paying down the debt with the highest interest rate first. This obviously saves the consumer money. If the consumer is not likely to need to use his credit score within the next 1–2 years, getting rid of the most costly debt still makes the most sense.
Generally, consumers should keep credit accounts open even if they do not use them or carry balances on them. This impacts both length of credit history and credit utilization rate. Before dispensing this advice to participants, however, AFI staff need to be sure they understand and convey the risks of having unused available credit. For participants who have had a very challenging time with credit, it may be better to take a hit on their credit scores as opposed to having the opportunity to easily accumulate another mountain of debt.
For the same reasons, participants should generally be advised against opening credit cards just to increase their available credit. In the end, this strategy could create more problems for participants and cause their credit scores to decline.
Credit scoring is an important topic in financial education because credit scores can affect so many aspects of a person's life, including the ability to obtain credit, insurance, employment, and housing. IDA participants are often concerned about their credit scores because they may have poor credit histories and/or be planning to obtain loans to buy houses or start businesses. Credit scoring is complicated because of the number of credit reporting agencies and number of companies that produce credit scores. People likely have different credit scores produced by different credit scoring models, such as the one used by FICO. A person might also have more than one FICO score based on discrepancies in his/her credit reports from the three major reporting agencies.
AFI project staff must be able to explain this complex topic so that IDA participants understand what their credit scores mean and what is behind them. Participants also need to understand the areas of their lives that can be affected by low credit scores, as well as how their behavior can affect their scores. De-mystifying credit scores for IDA participants can empower them to monitor their scores and take steps to improve them, including correcting errors on their credit reports and taking advantage of the tools provided through financial education to help them pay their bills on time and pay down their debt consistent with their short- and long-term financial goals.
We gratefully acknowledge the review of this article provided by Jennifer Wallis, vice president of Consumer Credit Counseling Services of Central Oklahoma.
Appendix: Where to Order Credit Scores
Source: Consumer Federation of American and Fair Isaac Corporation. Your Credit Scores. Federal Citizen Information Center. http://www.pueblo.gsa.gov/cic_text/money/creditscores/your.htm
1 Wozniacka, Malgorzala and Sen, Snigdha. Credit Scores – What You Should Know About Your Own. November 23, 2004. Frontline/WGBH.
2 Study: How Credit Line Decreases Can Affect FICO Scores. 2009. Fair Isaac Corporation Web site. www.fico.com.
3 Avery, Robert B, Calem, Paul S., and Canner, Glenn B. Federal Reserve Board Division of Research and Statistics. Credit Report Accuracy and Access to Credit. Summer 2004. Federal Reserve Bulletin.
4 Wozniacka, Malgorzala and Sen, Snigdha. Credit Scores – What You Should Know About Your Own. November 23, 2004. Frontline/WGBH.
5 Giuffrida, Inger. 2008. Financial Health Increases Your Wealth. Developed for Citizen Potawatomi Nation.
6 Consumer Federation of American and Fair Isaac Corporation. Your Credit Scores. Federal Citizen Information Center. http://www.pueblo.gsa.gov/cic_text/money/creditscores/your.htm
9 Avery, Robert B, Calem, Paul S., and Canner, Glenn B. Federal Reserve Board Division of Research and Statistics. Credit Report Accuracy and Access to Credit. Summer 2004. Federal Reserve Bulletin.
10 Giuffrida, Inger. 2008. Financial Health Increases Your Wealth. Developed for Citizen Potawatomi Nation.
11 Leondis, Alexis. July 5, 2009. FICO Scores Show Flaws as U.S. Banks Cut Credit Lines. Bloomberg.com.


text:
Yeh Dooriyan (From Love Aaj Kal)
Lyrics & Chords
First of all I would like to thank Harry for providing me this wonderful track and for introducing me to this song (his cover was the first time I heard the song). I loved it right then. Theres something about Mohit Chauhan songs that is very captivating. I hope you all like my attempt at this beautiful composition.
Harry Chops said
Hey George,
Good to be first on this block. I am surely taking some tips from your rendition to improve my next take on this beauty. You sang "In raahon ki" in mukhda and "kar jaati hain" in first antra differently. Was that intentional….
Liked your version. Full points…
Please check out-
My latest
Ae dil hai mushkil-Anu/Amit
Ye Dooriyaan
My first effort on an original composition
Saamne tum yun baithe ho-original
my first duet with Neha
Baahon ke darmiyaan
and more
Badi Nazuk hai (Jagjit Singh)
As always, please provide your valuable feedback
Rupesh Kumar said
Wonderful George… You did excellent job. 5/5 and adding into my favs…
Dr. priya Rajan said
George dear…. Just got a word for U 'Amazing':)
He KHUDA jaane anjane mile hum edhar
Meherbhan aap ka sadha rahe
Hamari dua sadha kabool kare
Bina mange hame mili khushi edhar
Meri dua sadhaa ek he rahegi
Aapki pyari madhurvani har dhil ko pahunche
Aap sadha sukhi rahe
Aap duniya ke roshan bhan kar rahe
Duniya ke sabhi pyar tumhe mile
Khuda aapki har tamanna poori kare
subah aur raat mangenge hum aap ke liye
aap sadha gaathe rahe
Love is God and his voice echoes so much in every song of yours. Liked it a lot.
10/5. and sure for my fav'.
Thanks a lot for sharing.
MUSIC is the language of the soul!
Harshan Nambiar (away for a month india vacation) said
Fantastic rendition ……your hindi diction has improved considerably ….you sound like a seasoned hindi playback singer here:)
5/5 from me and to my favourites.
Check out
Aye dil hai Mushkil
Soumitra Sarkar said
that sounded very good and clear. Recording was excellent. I think that you could have improved on the overall mood of the song. A bit more pathos would have improved your rendition even further . Just my point of view. Nonetheless very well done :)
- Soumitra
Pls listen to my Don't Say Alvida attempt.
Subbu said
thats very nice George….you sound totally different from any of your songs I have heard before……very very nice and highly appropriate for a desi number with kinda native feel……did you do anything differently here?just curious…….as usual enjoyed.
Straight From the heart, Always
Ravi Kichcha said
just love this song man…… from now onwards am not going to listen the original song…. added to my playlists buddy…. thanx a lot for sharing this song…. u sounds very better than the original one… 5/5 and goes straight to my favs :-)
Vijay Krishna (back.... lets make some music) said
Good one Geroge… I liked ur version way better then the original one:-)… Very bollywood type:-).definite 5/5 gos to my fav as well.A lot to learn from u.
Bodhisattva Dasgupta said
George – have always told u that over and above the fact that you sing really well, your presentation is generally impeccable.
w.r.t this song – great singing. The feel was also there really well throughout except at a very few places, i guess the softness in the voice could have been a bit more, and in some, a bit more punchy. Just to make the it emote even better.
But nonetheless – this is by far the best cover of this song I heard, and am sure will remain so :)
A 5/5 for sure…! :)
Bodhisattva Dasgupta said
One more thing – I think the way you time yourself perfectly with the track, not only while mixing, but even while singing, is really commendable. Ffor instance, in this song, the the two antaras start after a bit of silence, and even a millisecond difference in starting with the vocals would be audible. But yours is on spot! Great work :)
Nehu U.k said
w0w… George… what a voice… excellent vocal quality… loved your expressions in this… superb singing …. this is going in my favourite list…
such a beautiful song…superb mixing !!!
well done !!!!
Nehu_UK :)
Rakesh Baro said
Hey bro this is one of your better Hindi posts I guess :) ….Great Rendition …Keep it up…5/5
Satyajit Sahu said
Mohit Chauhan's voice & these type of songs suit you very well…. I think you have done anoter MC song in the past, right?
Very well sung. I actually think you have done a great job to the emotion behind the song. Its a song of longing, your voice has that pathos.
Life's a lot like jazz…. its best when you improvise!
Veena Rajeev said
Hi George
Nice song….good feel
u have got a wonderful voice
keep singing
Best wishes
MUSIC — My Life
Meera Manohar said
Haven't heard this before…. liked it immensely George….
I am not sure if Mohit Chauhan songs are a perfect fit for your voice, but you sure have rocked each and every one of his songs to date. And based on the lyrics, think you were very good in the emoting dept, connected with your tone and intonation.
5/5 and definitely goes to my favs!
A few of my latest posts:
Door Na Ja (cover version) from Jannat
Oru Murai ( cover version ) from Manichithrathaazhu with Murali Ramanathan
Gems of Ilayaraaja- Idhu oru nilaa kaalam from Tik Tik Tik
Celebrating Shankarabaranam-2-Maanasa Sancharare with Murali Venkatraman
My song list on Muziboo
Aditya Mertia said
George, Goods have already been told to you so i would like to bring forward one thing that i have felt for the first time in any of ur rendition. Initial few lines were a bit off-sync with the music. However tht was only at the start few lines. If i put the original track besides then this is what i felt. Other than tht after those few lines … its almost awesome. In any case a 5/5 from my side. Surely u can make this one better i know :).
Srividya Kasturi said
Awesome as always!!
My Latest Posts:
Mere Sang from New York
Phir Dekhiye
Aawargi – Original Composition with Tara and Rishi
Visit my Blog
Unnikrishnan Kb said
Very nice… i liked the soft tone and false takes…. really came nice…
Please listen to my latest uploads…
Ennavale (Tamil Cover) – Kadalan
Jashne Bahara – Jodha Akbar(Hindi Cover)
Smitha Passanha said
Flawless! Favorited :-)
- Smitha
Do listen to:
Kuch Khaas Hai
Nithya Bayya (www.facebook.com/nithyabayya) said
hey GK, you are at a point where you start disabling feedback on your songs hehee… it should just have the add as favorite button on the page :)
beautiful rendition as always :)
Do Listen my latest Uploads
Killing Me Softly Cover
En Anbe- Sathya Cover
Reworked Cover: Kara MohabbatWala -Cover
Namak Ishq Ka-Omkara Cover
Beautiful Liar-Beyonce Shakira Cover
jaga Janani -Original Comp Ft. Ft. Saindeyo, 2shant & Nithya
We Call Love – Original Composition by Anirudh
Here are some of my previous uploads
Munbe Vaa-Cover
Bahon Mein Chale Aao
Crazy Kiya Re
Once in a Lifetime- With Anirudh
Kanne Kalaimane
Kaisi Paheli Hai
Shaniruh said
George ! Awesome vocal quality… loved your expressions in this… superb singing ;)
superb mixing !!! 5/5
Listen To My Latest :
Jab Koi Baat Biger Jai
Suhani Chandni Raatein
Zindagi Kay Safar Main
Cheers :-)
Bharathi Dinesh said
Hi George,
Great singing and mixing!
Adithi said
Excellent singing! Have learnt not to expect anything less from you anyway :)
Roshini said
oh george this is simply superb. the mixing is just awesome….goes to my fav and to facebook too!!
Best Regards,
Pratane said
Didn't hear this before. but this sounds like an original
~Chitra K.S and I share the same birthday. But she isn't sharing the Shruti Perfection.~
Vijay Iyer (away...) said
very nicely done George ! Enjoyed it.
Kumar Srinivasan said
Perfect song for your voice and singing style. Great job George, could easily pass off as the original – awesome.
Shampak Chakravorty said
Hi George….
Sorry for being late…. was not at home :D
By far the best Hindi cover by you…… 5/5 n straight to fav…. Can't get any better…… :)
Also Listen To My Latest Upload
Aaja Milke
My Previous Uploads
Kaise Mujhe Tum – Cover
Ei Ki Go Shesh Daan
O Meri Jaan (Cover)
Tara Balakrishnan said
loved it!! beautiful flow George!!!
My latest posts…
"Ye tumhari meri baatein – Rock on! "
Ashutosh kumar Jha said
Superb work George :)
Nothing more, nothing less. Period!
Btw, can you share some of the karaoke tracks with me. Not looking for anything specific, just want to compare them with my current method recording songs by removing vocals using Virtual DJ software.
Also if you could share some websites for free karaoke songs, apart from esnips.com which is blocked in our IIM campus, that would be gr8!
Radhika Nair (away) said
Very nice singing. Not very familiar with the song and i could be wrong – thought that the sabhi at 1:44 , khali at 02:31, begaani at ~04:07 could be better? Modulations were very nice at aa raha and the feel was apt too.
Pl do listen to my latest
Ennu Varum – Kannaki (Mal)
Kandu Kandu Kothi – Mambazhakkalam (Mal)
Dhiraj Barla said
Listening to something on Muziboo after quite a long time, George agree with others that this is by far the best of your hindi numbers. I like the way you ended each Dooriyan and each line with different feel and note, i found the initial lines were a bit out of place(not sure I am putting this right), compare to the rest of the song, first few Yeh Dooriyan's lack the feel.
Meera Manohar said
The first time I heard it, didn't honestly think this was your "best cover" in Hindi as some mentioned, maybe, a close second to phir dekhiye or kahin tho.
But, now that I have been listening to this song in a loop for a while, think you have done a brilliant job on the feel. Wins hands down!
Again, awesome work….
A few of my latest posts:
Door Na Ja (cover version) from Jannat
Oru Murai ( cover version ) from Manichithrathaazhu with Murali Ramanathan
Gems of Ilayaraaja- Idhu oru nilaa kaalam from Tik Tik Tik
Celebrating Shankarabaranam-2-Maanasa Sancharare with Murali Venkatraman
My song list on Muziboo
Usha R said
George We listened to it again and now like this song very much. Your voice is too good like that Mohit chauhan. Full marks. Keep singing. Thank you.
Meena Menon (visit my blog : http://meenamenon.blogspot.com/) said
sorry for being late here…. :(
though i havn't heard this song before……your singing is excellent as usual……
keep rocking……
Please check my new upload
"arikil nee undayirunnenkil" and give a feedback
arikil nee undayirunnenkil
Ennu varum nee
wow! Amazing George…. I am listening to this now and forgotten abt the original….
Saqib Javed said
i like ur rendition n enjoyed very much
My Recent song
Love Will Keep Us Alive
Meri Kahani
previous uploads
Yeh Bekhudi Remix Version
Yeh Bekhudi deewangi
Ek Baar Tujhko Dekha Deewana
Vishak Subramoney said
WOW!! Superb singing. very nice emotions in the song.
Abhilash said
Nice yaaar…!
Really Enjoyed your singing….
Expecting more songs from you……
Abhilash, Sharjah
Krishnan N v ( nvk ) said
Brilliant singing…Loved all the way…
ENVEEK-In my "Second Innings".
Check out My Latest Ghar Se Nikalte Hi, Ramzaanile CHandrikayo, Leharon Ki Tarah and Soorya Kireedom
Rashmi Nair said
Excellent rendition, George. Sounded very similar to the original. Good job.
Please listen to Mann Mohana
Preety Reddy said
George………… sorry i changed the contents of the comments.
It is very nice to listen now and liked it.
Khawer Khilji said
Hi George,
Nice rendition with nice feel. Good job.
My tribute to Legends
Mustafa musaji (drifting away...) said
Excellent rendition as always! Everything just about perfect. I'll just take away a fraction of a point on the 'feel' at some places in the song.
My latest:
Zindagi Hasne Gaane
Neeja Nair said
awasome george….
Ashutosh kumar Jha said
Hey….really nice George :)
Can you share the karaoke with me.
And yes thanks for the group invite……that would really help me in mixing my songs
Ankit Anand said
ur a rockstar…….amazin voice quality n confident singin……brilliant…….can i request for this track????i will be thankful to u……email@example.com……regards
Dr. priya Rajan said
Georgy…… felt like listening to your voice. Came back to hear!! keep singing a loooot.
My MYSTICAL VOICE ……… CHARMER :)
Thanks a lot for sharing.
MUSIC is the language of the soul! …Priya
Romit Gupta said
Hy George! Nicely sung man….Loved it very very much!! a deserving 5/5 for u….
Rahul Parakkat said
Chetta, amazing stuff as usual. Actually, felt this was much better than the original.
Rahul Parakkat
Rohin said
George Amazing talent! you are just marching ahead the whole crowd traversing any genre with ease. fav & 100/100.
Music is an expression of Love – Rohin
Supreeta Williams said
Excellent Vocals more than Originals. The best musician of 'MUZIBOO'.God Bless.
Subhash David said
George, Good selection…Excellent singing and mixing. Enjoyed….
Archana Menon said
Excellent rendition. Loved it.
Nouman Khokhar (busy! will be back soon) said
Great attempt geroge!!
really liked your rendition throughout!!There were few off note words you sung but they aren't major and also you have cleared above that you just had the structure of the song in your mind and took you own variations which is really impressive… I loved your beete lamhe version…Keep on singing…
Please listen to my recordings.
Dil ibadat
Beete lamhe
Sasirekha M (trying to catch up 2014/september ) said
fantastic !
Music is the spice of life.
Kirthana V said
Love this song :)
I love Music…
Shakti Mohapatra said
Emotion and feel were great……but the texture should have been much softer…
Just my 2 cents :)
Will upload my cover of this one….soon.
\m/ Peace
Savolina said
i don't understand anything of this language but it is too good to listen. i love your voice. Wish i could favorite it bad luck:(
Akhila... :) said
think this ones AWESOME! :) stright to my fav :)….!! :) the feel,the timing,the lyrics everthing was just soo perfect! :)
Please do hear my songs and please do comment -
Ore Manam – Duet wit Vishnu :)
Mannipaaya – Vtv :)
Bahon main chale – Anamika :)
Nilanjana said
George, you done 100% justice to the song….its just amazingggg
Love all your songs :)
Kaushik- in learning mode. said
you are boss….:) amazing stuff better than original
My Music Page
My Facebook page
Daniyelu said
sunne ki laayak awaz
Sanoop Robert said
as alwys sung very well….
bro.can u send the k track email@example.com
Krish Nair said
Straight to my fav :)
Not better than original though original not better than yours :)
My Recent Upload-Tum ho-Rockstar
Harika said
This is just as captivating as the orginal version :)
uploaded almost 5 years ago
Hindi - Film Music
31 songs | 1 comment
- 1456 Plays. Last played on September 24, 2014
- 42 Favorites
- 50 Likes
- 81 Comments
- 595 Yeh Dooriyan (From Love Aaj... MP3 Download


text:
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Student complaints implicating compliance with the standards imposed by the American Bar Association Section on Legal Education and Administration to the Bar shall be filed in writing with the Associate Dean for Academic Affairs, or if the complaint involves the person serving in that capacity, with the Dean of the Law School. The complaint shall include the date in which the complaint is being filed; the name and address of the complainant; and a description of the complaint. The description of the complaint shall include a description of the accreditation standard which the law school's action or inaction implicates. The Associate Dean for Academic Affairs (or the Dean of the Law School) will investigate the complaint and respond to the complainant in writing within 30 calendar days from receiving the complaint. The response will indicate whether the Law School has taken any corrective action, or if not, the reasons for not taking any action.


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On the Road Again—Mix Nashville
Live mixer extraordinaire Buford Jones (far right) hosts a lively panel discussion at Mix Nashville 2009.
THIS WAS A TOUGH YEAR FOR MIDDLE TENNESSEE. And it was especially hard on Soundcheck, Nashville's premiere live sound showcase for tour rehearsals, with off-the-road storage for instruments and backline for major tours, and on-site offices for leading companies such as Meyer Sound, Shure, Digital Console Rentals, Fender, Peavey, Tour Supply Inc., and others. And back in mid-May, when the once-in-a-century rains caused the Cumberland River to rise well over its flood stages, Soundcheck was at ground zero, and in a matter of hours was completely submerged. We had planned to host our sister publication's annual Mix Nashville live sound and recording series just days later, and postponed the event until September 13 and 14, 2010. more


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The key to good BBQ isn't just low and slow. According to Dickey's Barbecue pit, it is also preparation.
The BBQ experts say it is important to start with a good rub or marinade for large cuts of meat, and to let it soak in overnight. Briskets and pork butts benefit from a salt-based rub because it helps melt fat during the cooking process.
Cutting meat is also key to tenderness. Dickey's Barbecue Pit in Plymouth shows us the right way to carve a brisket.
KMSP-TV11358 Viking DriveEden Prairie, MN 55344
Phone: (952) 944-9999Fax: (952) 942-0455


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Narrow your search
Simgo turns your iPhone or Samsung Galaxy phone into a local native and dodges those shocking international costs.
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Forget Shark Week. The box jellyfish is way more dangerous, and its mechanism for injecting venom can only be witnessed with a microscope.
The WidowPC Sting 517D is a unique conversation piece and gaming powerhouse, but costs more than similarly configured systems from big-name vendors.
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With the Stingray name making a comeback to the Corvette vernacular, XCAR takes a look back at the C2 'Vette, the original Ray.
The Prince George's County Police Department in Maryland decides it's public-spirited to live-tweet a round-up of those who solicit prostitutes, pictures and all. It calls its move "progressive."
San Francisco Bay Area photography enthusiast Jeff Hu hatched an elaborate Craigslist sting operation to recover his beloved shooter.
Using two cell phones set to record video -- to ensure all angles are covered -- a high school student lies in wait to catch an alleged backpack thief. There is a surprise.
Law enforcement poses as hackers to identify "carders" from around the world who allegedly make money off stolen credit-card, bank-account and personal-identification information.
A man whom police believed to have been duped by a fake Facebook profile created by his estranged wife, persuades police that he knew it was her all along.
Is Microsoft copying Google's search results? Probably: but how bad is that, really? Or is it just smart? Plus, the ISP conflict of interest nightmare scenario comes to pass in Canada, and it's bad news for everyone. Are you watching, DOJ? Plus, a lawsuit accuses AT&T of overcharging for data, and petri meat is coming, people. You just wait. --Molly


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Within 320 yards of College subway station, this hotel features on-site dining, 2 indoor pools with a water slide, and a fitness center. There are 8 people looking at this hotel. More
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This luxurious hotel features a rooftop patio with heated whirlpools overlooking the center of the city of Toronto. Guests can enjoy a gourmet restaurant and free Wi-Fi. There are 3 people looking at this hotel. More
Just 5 minutes' walk from Yonge-Dundas Square, The Saint James Hotel is located in Toronto. Free Wi-Fi are provided. More
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This downtown Toronto hotel, in the Financial District, is just a short walk from Toronto's Theatre District. It features a café, British-style pub and contemporary accommodations. There are 2 people looking at this hotel. More
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In Toronto Eaton Centre, this hotel is connected to PATH underground walkway. Trios Bistro is on site and a 32-inch flat-screen TV is featured in rooms. Dundas subway station is 375 yards away. More
Less than a 5-minute walk from Osgoode Station, this downtown Toronto hotel features 3 restaurants, an indoor and outdoor pool, and a state-of-the-art gym. More
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In the center of downtown Toronto, this 4-star Sheraton is a 15-minute walk from the CN Tower. Upscale amenities include an indoor/outdoor heated pool, a modern gym and on-site Senses Spa. There is 1 person looking at this hotel. More
This hotel is located next door to Maple Leaf Gardens, just a 3 minute walk from the nearest metro station. It features an indoor pool, a full-service spa and a gift shop. More
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Miller Lakes
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A Yangtze River Cruise will take you through the three gorges and the Three Gorges Dam, giving you the opportunity to see some of the most spectacular scenery imaginable. China Highlights offers 5-star and 4-star cruise ships with great prices. New to Yangtze?
You can call our expert Nancy Deng for any questions about the Yangtze River cruise:
Yangtze River is one of the most interesting rivers in the world, with a wide variety of tourist attractions, scenery, and culture along its length.
At China Highlights, we feel that a cruise up/down the Yangtze, is something that any tourist to the region would not want to miss, as it offers unique encounters with China's rich cultural heritage as well as some spectacular vistas that will remain forever etched in one's memory.
There are four Yangtze Cruise routes:


text: Sony has had a very successful launch of the PS4. Early adopters of the PS4 have touted native full 1080p gaming as one of the many promises and early advantages of Sony's new console. In a blog post last November Sony wrote in a blog post that Killzone Shadow fall features a "competitive multiplayer mode" that supports up to 24 players and "runs at native 1080p and 60 fps." To put it nicely this isn't quite true and gamers are furious. In single player mode, Killzone Shadow Fall runs at a full 1080p. In multiplayer mode, however, the native resolution drops significantly in order to bump the frame rate from 30 fps to near 60 fps. A brief explanation from CraveOnline: Killzone: Shadow Fall outputs at 1080p in single-player and multiplayer, but it isn't native. It uses a unique processing method that blends 960 x 1080 images together. Therefore, the 1080p advertised on the ...Read More →


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By Neil MacDonald
Team effort at March Madness Tournament
The Blaine third and fourth grade girls played three fantastic games at the recent Mount Baker March madness tournament.
With four third graders and four fourth graders they jelled quickly in their first game together. There are five girls from a Boys and Girls Club team, with three AAU players joining them, to fill out the roster. They only played three games together and were within one shot of winning their age group.
In the first game they placed to a 39 to 26 win over Lynden. Their game against the Snohomish Avalanche decided if they played in the championship game Sunday afternoon. The Blaine girls started out very strong and lead at half time 10 to 8. The second half was back and froth with nobody scoring until about two minutes left in the game when Snohomish scored two quick baskets to take the lead. With about 30 seconds left in the game, Blaine tied it up and won the game in overtime 14 to 12.
championship game Sunday was played against the home team
from Mount Baker. Another hard fought contest that went
down to the wire, with our girls missing two three pointers
in the dying seconds, only to lose 23 to 20. After being
outsized by every team they played, they managed to finish
in second place.
Blaine Barracudas finish third at Everett
The Blaine Barracudas finished third out of 53 teams at the Everett I-5 Freestyle Wrestling championships on Saturday.
Team points were calculated based on wrestlers earning points for individual placement as follows: 1st place = 10 points, 2nd place = 7 points, and 3rd place = 5 points.
The only clubs to finish higher than the Barracudas were team champion USA Everett, and team runner-up Eastside.
The Barracudas placed 3rd with 76 points, followed by local clubs Sons of Thunder (52 points, 8th place) and Ferndale (19 points, 25th place).
The Barracudas were led by champion Josh Jones� 5th gold medal of the season (Novice-85 lb class) as he improved his record to 20-2. Other Barracuda champions included Jacob Humphrey (N-75, 3rd gold medal), Niko Rehon (Schoolboy-120, 2nd gold medal), and Bayartsengel Khishigdorj (Junior-160, 4th gold medal).
Caleb Johnson (Midget-95), Tyson Foster (SB-90) and Nick Jordan (Cadet125) earned silver medals, while bronze medal winners included Justin Belding (Bantam-60), Brandon Heggem (N-130) and Matt Carr (C-Hwt).
in writing local sports?
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Neil Macdonald is taking a leave of absence, and we need someone to fill his shoes. Call The Northern Light at 332-1777 or email firstname.lastname@example.com if interested.


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Product Recall: We are voluntarily recalling fewer than 8,000 cases of regular Kraft American Singles Pasteurized Prepared Cheese Productlimited to 4 SKUs on two "Best When Used By" dates of February 20, 2015 and February 21, 2015. Click Here.
HEAT oven to 350°F.
MICROWAVE apples in microwaveable bowl on HIGH 1 min. or until crisp-tender; drain. Cool. Meanwhile, mix 1/2 cup flour, brown sugar and cinnamon in medium bowl. Cut in 1/4 cup cold butter with pastry blender or 2 knives until mixture resembles coarse crumbs. Stir in nuts.
MIX remaining flour, baking powder and baking soda. Beat 1/2 cup softened butter and granulated sugar in large bowl with mixer until light and fluffy. Blend in eggs and vanilla. Add flour mixture alternately with sour cream, beating until blended after each addition. Stir in apples. Pour into greased and floured 10-inch tube pan or 12-cup fluted tube pan. Sprinkle with nut mixture.
BAKE 50 to 60 min. or until toothpick inserted near center comes out clean. Cool in pan 10 min. Loosen cake from side of pan with knife. Invert cake onto wire rack; gently remove pan. Cool cake completely.


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Subscribe to HELLO! and save up to 40%Subscribe
George Clooney has put paid to reports that he is about to up sticks and move from his Italian villa.
Speculation recently surfaced about the Up in the Air star planning to sell his Lake Como pad and move to another property on the lake's Loreto Island.
David and Victoria Beckham were named as interested buyers of the villa.
"To complete the news cycle: I am not buying an island and am not selling my house in Italy. The story was made up, then picked up and now denied. End of another riveting day of false news," George has confirmed in a statement.
Thursday February 25, 2010
Previous News In Pictures:


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21 posts tagged with mirrors. (View popular tags)
Displaying 1 through 21 of 21. Subscribe:
It is impossible to look at these images and not think about the persons depicted there. But, save for one fact that is a given—and what we find in or infer from these images—we know nothing about those persons, and never will. The given is that they are all prisoners: for whatever reason, they have been deprived of liberty, the single piece of enduring proof of which is the image at which we presently gaze. The conclusions we draw, the feelings we have, the narratives we suppose—they are all our own. The images are mirrors, resonating with aspects of our selves we perhaps never before encountered.Many of them are haunting; this one has been turned by time into a work of art. (Via Ramage.)


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Take a Technology Class
About our free technology classes
- To register online for a class, click the event (at right), then scroll down and click the gold "REGISTER" button to complete the form
- You can also register in person at any library location or by calling 708.452.3480
- Walk-ins welcome, as space permits
- Most classes are hands on. Bring your device, or use one of ours
- All classes are held at the Main Library. To see what's coming up, view our events calendar, sorted by "computer class"
Beginner classes
Introduction to Computers and Technology. Get acquainted with computers and the Windows operating system. Learn to manage multiple windows, create and save documents, and navigate folders.
Word for Beginners. Learn to use the Word 2007 word processing program to type a letter, resume, fax, or list.
Excel for Beginners. Learn the basics of the popular spreadsheet program to help you organize your life or as a new job skill.
Introduction to the Internet. Start exploring the Internet and learn how to use a search engine to find new, information, and directions. Also learn which websites librarians use the most.
Intermediate classes
Intermediate Word. Move beyond the basics. Learn to create tables, merge letters and lists, and become more comfortable with this word processing program.
Intermediate Excel. Learn more features of this popular spreadsheet program to help you organize your life or gain a new job skill. To attend: must be familiar with basic Excel functions.
Additional classes
Facebook. Learn how to use this popular social networking service and get started with your own account.
Genealogy Online. Explore the best free sites and database available for genealogical research.
Job Searching Online. Learn to use the Internet to find and apply for jobs. Topics include features of major job searching sites as well as formatting choices and tools for resumes.
LinkedIn 101. Learn to set up your account on this social networking site for connecting with other professionals in your industry.
Twitter 101. Learn the ins and outs of this popular social networking service and get started with your own account.


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On the origin of today's Darwin Day
Story | Feb 12, 2014 | 7:35 AM
On the origin of today's Darwin Day
Story | Feb 12, 2014 | 7:35 AM
Hasn't science done enough harm to humanity?
Story | Mar 14, 2014 | 10:30 AM
Every night before bed, I ask God to protect us from scientists. Apparently I haven't been praying hard enough, as I awoke the other morning to this headline: "Scientists revive giant 30,000-year-old virus from Siberian permafrost." I read on and...
Uninformed politicians are dangerous [Commentary]
Story | Dec 15, 2013 | 3:00 AM
Mailbag: Rohrabacher's global warming comments spark debate
Story | Aug 16, 2013 | 11:54 AM
Re. "Rohrabacher dismisses global warming, warns of China (Aug. 9): U.S. Rep. Dana Rohrabacher (R-Costa Mesa) has been around way too long. It troubles me that he keeps getting re-elected to my congressional district. He is a Republican representative who...


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Latest news
Making bus travel better for customers
Posted on: Wed, September 17, 2014 at 14:11
Lothian Buses sign up to the RNIB campaign.
Do you have an opinion on the Transport for Edinburgh App?
Posted on: Tue, September 16, 2014 at 09:13
Share it with Lothian Buses
Transport for Edinburgh backs Capital Hockey Heroes
Posted on: Thu, September 11, 2014 at 08:20
Edinburgh Capitals get on board with buses and trams
Later Opening for Waverley Travelshop
Posted on: Wed, September 10, 2014 at 13:42
Making life easier for customers.
Lothian Country Buses is Extending
Posted on: Tue, September 09, 2014 at 08:23
A new bus service connecting East Lothian and Edinburgh
Autumn Holiday - 15 September 2014
Posted on: Tue, September 09, 2014 at 08:22
Lothian Buses will be operating a Saturday service.
Page 1 of 14


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Raider 14' - 16' Deluxe V and Tri - Hull Boat Cover
Item # WX2-142781
- Google+
- Details & Specs
Protect your investment! RaiderTM Deluxe Boat Covers are BIG BUCKS OFF !
A better barrier for your boat. Creepy crawlers, bird mess and other hassles trying to destroy your boat's finish? These handy Covers will work overtime to help protect it!
300-denier 100% polyester construction. Deluxe Covers seal up tight when it's time for storage or transport, but quick-release buckles and adjustable straps still speed your return trip to the water. Breathable, water-repellent fabric keeps out dampness to prevent mildew. All-polyester construction knocks out damaging UV rays, too.Deflect debris:
- Snug-fit reinforced sewn-in elastic cord
- Double-stitched interlock seams with rot-proof thread
- Trailerable
- Storage bag included
- Several sizes and styles available.
Order yours ONLINE today, and give your watercraft a little TLC!
!!! Limited Quantities !!!
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Customer ReviewsNo reviews exist for this item....
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Guide Gear® Trailerable V-Hull boat coversBuyer's Club $53.99 Non-Members $59.99
Attwood 84" Fiberglass BowBuyer's Club $22.49 Non-Members $24.99
Taylor Made Die Cast Bow Sockets 2-Pk.Buyer's Club $5.84 Non-Members $6.49


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On a recent morning, Anthony Pangaro and Blake Middleton pored over faded blueprints of Boston's original Filene's building, studying its intricate details amid the constant buzzing of a cellphone.
The two men are busy these days presiding over the $620 million effort to restore the Filene's property as the commercial focal point of Downtown Crossing. It is by far the most important redevelopment project in Boston, finally moving forward after the recession caused a four-year work stoppage at the site.


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Treasure Seekers II: The Enchanted Canvases Review (iPhone)
Posted by Christophor Rick (TheSuperGuido), Feb 13, 2011 19:32
The game is broken into chapters or rather, enchanted paintings (hence the subtitle) each of which is basically a location with a set of puzzles and object to solve and find. I had thought that since it was on the iPhone it would be too small to be playable but actually that's not the case at all. In fact, with the zoom function (pinch the screen) you can expand to a point where everything is pretty easy to find. The game is also lightly animated. There are not full blown 3D environments which is good as they would probably bog down less powerful generations of iOS devices.As it is, it's rather processor intensive and drains the battery fairly quickly (not as quickly as Angry Birds seems to do though).
The sound is quite well done in the game as well. It's robust and full without being overbearing. The music does a good job of help setting the tone of the game and the atmosphere, just as it should. There are also various other sound effects that give the game more life and a richer soundscape.
Overall, I rather like this new breed of hidden object puzzle games. They're more like casual point-and- click adventure games now and that's far more fun than the old ones which just had you straining your eyes to find items in cluttered surroundings. These environments are less cluttered and most objects are partly hidden from view, by darkness or by using subtle shades of coloring to make them blend into the background. The interface for the puzzles never hampers your trying to find pieces. Sometimes, if you can't find what you need, you might just guess. It works from time to time. There are hints available but you get better achievements without them.
There's really only one flaw and that's a lack of gamma adjustment. Often reflections and lighting will be more detrimental to your gameplay than your fat-fingering the touch screen.
Rating: 0.0, votes: 0


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Valentine's Day gifts they'll love
Mrs. Field's Valentine Conversation Heart box
Mrs. Field's Valentine Conversation Heart box
$21.99; Walmart.com
The Mrs. Fields Valentine Conversation heart box is decorated with a fun, yet loving design. The box is filled with 18 Nibblers bite-sized cookies and two frosted, heart shaped cookies.
Hershey milk chocolate bouquet
Hershey milk chocolate bouquet
$19.98; Walmart.com
Bouquets are a traditional way to show someone you care. Offer your valentine a new twist on a classic with the Hershey's Milk Chocolate Valentine Bouquet Gift Set.
Hershey mug & bear miniatures
Hershey miniatures mug & Valentine bear
$10.00; Walmart.com
Show your valentine how much you care with a cuddly bear and Hershey miniatures chocolate that comes in a jumbo mug for cozy, hot beverages.
Russell Stover chocolates in Valentines heart box
Russell Stover chocolates in Valentines heart box
$12.98; Walmart.com
Fabric keepsake heart box featuring a faux diamond brooch, with 8 ounces of exquisite filled chocolates enrobed in milk, dark and white chocolate.
Juniors Love 2-piece pj set
$10.96; Walmart.com
Coordinating cotton drawstring pant and pink print tank filled with hearts.
Juniors Love graphic tee
$8.88; Walmart.com
This Rocker Girl juniors hi-low burnout fashion graphic top is a fun top for the warm months, that comes in five colors and a burnout style makes this top sheer in the back.
Hershey's Kisses fuzzy fleece sleep pants
Hershey's Kisses fuzzy fleece sleep pants
$9.96; Walmart.com
These women's pink print Hersey Kisses fleece sleep pants are soft and super comfy. Pair with your favorite tees, sleep shirts and sweatshirts.
Women's plus soft knit 2-piece pj set
Women's plus soft knit 2-piece pj set
$15.96; Walmart.com
DF by Dearfoams soft jersey sleep set includes a solid short sleeve henley pj top, with coordinating dot print drawstring pant, in three colors.
Women's cozy terry robe
Women's cozy terry robe
$14.96; Walmart.com
Relax in this DF by Dearfoams women's Dearsoft kimono style terry robe, with long sleeves and two front patch pockets, in three colors.
SimplyDog Pink Polka Dot party dress dog clothes
SimplyDog Pink Polka Dot party dress dog clothes
$7.97; Walmart.com
Your dog will be the sensation of your Valentine's Day soiree when you buy the SimplyDog pink polka dot party dress. Let your pup express her romantic side with exceptional style and chic charm. Multiple sizes available..


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Product review: Open source reporting goes corporate
JasperServer Professional and Pentaho Reporting build on famous Java open source libraries for generating reports, but they're no longer for developers only; rapidly gaining on traditional heavyweights, both score with user-friendly query tools and sophisticated front endsFollow @peterwayner
There are some nice touches that might attract a Java programmer. You can add queries in either SQL or HQL (Hibernate Query Language) because the system is built on top of Hibernate. If you need more complicated data sources, you can add an arbitrary call to a JavaBean method.
Still, there were some glitches, although no more than are, alas, common in enterprise software of this complexity. When I started to build a cross-tab report with the ad hoc builder, it locked itself in some limbo that kept me from either saving or running the report. I could only give up. Several more reports failed to run because of permissions problems with the Acegi security layer.
There has been, incidentally, an increase in the number of gradual improvements in the core open source tools. The graphical report designer, iReport, and the core JasperReports are now on version 2.0.2 after adding several new features, including style templates. This suggests that the core will continue to be tended, if only because the more commercial clients will ask for new features.
I worked with Pentaho by installing the Pentaho Reporting server and the extra tools, including the Report Designer. Pentaho's systems are also built on many of the same common Java foundations such as Spring and Hibernate. The core, JFreeReport, is very similar to JasperReports, so the basic reports are close to the same.
But the differences come in the extras. The Pentaho Ad Hoc report generator has more templates and cosmetic extras than its JasperServer counterpart, but fewer complex report types. There's a mechanism that lets Pentaho users "subscribe" to reports that appear at certain times, while JasperServer has no equivalent.
In general, I found that the Pentaho system was more layered and seemingly more complex, something that may or may not be a virtue. JasperServer's screens seem to have more complex options, while Pentaho Reporting seems to require drilling through several simpler screens. The options are much the same, but the complexity at each layer often reflects a different philosophy. I suspect that Pentaho Reporting will be more accessible to the nonprogrammer, while JasperServer will be more natural for a programmer, but that's just a casual guess about a very subjective topic.
There are other odd corners. The standard Pentaho download comes with JBoss' portal. If you click a few times on the wrong button, you'll find yourself in the middle of the portal, surrounded by JBoss logos but not much in the way of reporting options. If that's what you need, that's great. But if not, you'll have to clean out that kitchen sink before deploying.
I also encountered a similar amount of glitches with Pentaho. In one case, the system tried to take me to the URL "/pentaho/home" instead of "/pentaho/Home," and I ended up with a 404/"not found" error. A different sequence of clicks delivered me correctly. The Pentaho Ad Hoc report generator also locked up several times, leaving me unable to do anything except cancel a report without saving or running.


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Foresight 2 VCT Plc
Venture Capital/Private Equity United Kingdom
| London Stock Exchange: FTNI | London Stock Exchange: FTNP | London Stock Exchange: FTN
Similar to: MVC Capital, Inc., Alba Private Equity SpA, First Capital SpA
Foresight 2 VCT Plc is a venture capital fund. It provides investors with attractive returns from a portfolio of investments in fast-growing and unquoted UK companies. The company invests in investment trusts for long term capital growth. Foresight 2 VCT was founded on August 9, 2004 and is headquartered in Sevenoaks, the United Kingdom.