text:
Artizen, a co-op representing about 25 local artist decided to also take the time to collect donations for two different causes.
The Midland High School Dance team decided to train the next generation of dancers, while raising money for an upcoming competition.
Family history, research and finding your ancestors were the focus of the Permian Basin Genealogical Society.
The National Weather Service extends Flash Flood Watches until Monday at 1pm, as the risk of heavy rain continues overnight and Monday morning.
Mustangs move to 4-0.
Steers move to 3-0.
Rebels have lost three in a row.
Bronchos fall to 2-2.
Coming off an impressive win against the 2013 state champion team, Grandfalls-Royalty, could the Chargers extend their win streak to 2 games?
Panthers keep winning.
Could the Rangers snap their 2 game losing streak versus San Angelo Lakeview?
The Mustangs are back home against the Trailblazers. Can Midland Christian get a win in front of their home crowd?
Can the 3-0 Bulldogs stay perfect against the 3-0 Cougars?
Gubernatorial candidates Greg Abbott and Wendy Davis squared off in a highly anticipated debate Friday in McAllen.
EDDY COUNTY, NM (Local Big 2 News) - Officials with Express Energy Services say a flooded intersection forced an Energy Services crew to stop as it headed home around 2 a. m. Friday morning.
Flooding rains Saturday and Sunday with highs near 80 degrees.
Three sixth graders admit to bringing alcohol into one ECISD school, according to district officials.
The constant rains Friday drenched the Permian Basin and caused some street flooding.
The remnant low pressure center associated with what was once Hurricane Odile will move across West Texas today, giving us a very good chance for heavy rain once again.
ODESSA, TX (Local Big 2 News) - "We have 32,000 students that we have to take care of and we're trying to make sure that the way we have schools zoned and how we get kids to and from school is good for them as well," said Mike Adkins, public information officer for the Ector County Independent School District.
Police say Thomas Davis admitted to sexually assaulting a teenager in an interview with officers on Wednesday.
Fort Stockton police say one man was busted for trying to deliver drugs Wednesday night.
A lobbyist speaking in the Permian Basin warned that a ban on hydraulic fracturing in Denton, Tex. could also have an effect on other cities in Texas.
Highs in the 80's with a 50% chance for rain Friday.
The recruits perfected their techniques and prepped for the streets.
The Professional Armed Forces Rodeo Association (PAFRA) will host their World Finals Rodeo for U.S. military men and women at the Midland County Horseshoe Arena.
Police say a man who was reported missing on Sept. 10. has been found safe.
Three people were arrested after deputies served felony warrants earlier this week.
"I think that were a growing program and II just hope that everybody sees that, that we're up and coming" --- Odessa High Volleyball Coach, Melissa Mudge
The National Weather Service in Midland launches weather balloons twice a day, which becomes more important when storms threaten.
Midland International Airport received its spaceport license in Washington D.C. Wednesday making it the first primary commercial service airport to be certified by the Federal Aviation Administration.
The inaugural Permian Basin Honor Flight landed in Baltimore Wednesday morning.
80 local non-profits and charities could soon see a shortage of a nutritional food -- peanut butter.
If you fill up at any Texaco or Chevron gas station in October, you might help local schools earn extra cash.
Midland firefighters are collecting money to buy coats for local elementary students in need.
The Texas Health Department helps to tackles the touch topic of teen pregnancy in West Texas.
A new Police Chief helms the Ector County ISD police force.
An attempted traffic stop turns into a 15-minute pursuit that started near Odessa High School, police say.
He just keeps going and just keeps playing; I think he's just a good kid that really enjoys playing football. -- Alpine Bucks Head Coach, Stacey Martin
An electrical fire led to an evacuation at Bowie Junior High School on Wednesday morning, officials say.
This week Coach Narrell gets the boys ready for Monahans.
Midland RockHounds: You just won the 2014 Texas League Championship. What are you going to do now?
An Andrews family can't believe Valrie Stover is gone. Now they warn parents about the danger of bullying, and to be alert for the signs.
Leadership in non-profits and service to our community were the cause for celebration Tuesday.
Odessa police say a 30-year-old woman was found dead as emergency crews arrived Tuesday.
Tropical moisture will move in from the southwest and give the basin a good chance for rain.
Midland College celebrated the Mexican Independence Day with a visit from the former Mexican President Vicente Fox, who spoke about the US-Mexico relationship, oil and gas and immigration.
With a school nearby, they hope a petition will pump the brakes on some of that fast-moving traffic.
HEB is taking children's book donations, as well as hosting a number of literary events at stores throughout the month of September.
Events are scheduled for two of the next three weekends in Odessa and Midland that will help raise money for diabetes research. Registration is still open!
Request a KMID Big 2 Station Tour
Evening Anchor
Good Morning West Texas Anchor
Evening Anchor
Chief Forecaster at 5pm & 10pm
Good Morning West Texas Weather Anchor
Reporter/Weekend Weather Anchor
Reporter/Weekend Anchor


text:
Size Genetics Review Online site owner obtained outstanding results with device.
Newcastle Upon Tyne, Tyne and Wear, United Kingdom – June 6, 2014 /MarketersMedia/ –
According to Medical News Today, 45 percent of men surveyed believe their penis is small as compared to the genitals of other men. An erect penis, on average, runs from 4.7 to 6.3 inches in length, as reported by the site, and the average circumference, when the penis is erect, is 4.7 inches. The majority of women, 85 percent, state they are happy with the size and proportion of their significant other's genitals, yet men don't feel the same.
"Any male concerned about the size of his penis should look into sizegenetics as this device allows one to increase the size of the penis, in terms of both length and girth, in only a few short weeks or months. Users find sizegenetics easy to use, and the device allows one to correct certain issues, such as the curvature of the penis. Surgeons often recommend the product as an alternative to surgery as it comes with fewer risks," Ethan Sissoku, site owner and user of Size Genetics, declares.
Mr. Sissoku personally uses this product with great success. After years of feeling uncomfortable around the opposite sex, Mr. Sissoku decided he needed to try something to overcome his fear of women seeing him unclothed. He spent a great deal of time researching various products before opting to try Size Genetics as the reviews were very positive.
"I decided to give Size Genetics a try and it has changed my life. With regular use, the penis becomes longer and thicker, and erections become longer and harder. The device is very easy to use and is produced according to medical standards, coming with a Type 1 Medical Device Certificate," Sissoku explains.
The device comes with everything needed to ensure users achieve success, including a comfort strap and instructional DVD, when one chooses to purchase the Ultimate System. Users find the travel case to be very handy as it allows one to carry the device while vacationing or on the road for work without it being obvious what one has with them. In addition, the Ultimate System includes traction powder, wipes, and more.
"Turn to Size Genetics when looking to increase penis length and girth. The program delivers on its promises, and users find they are no longer ashamed of their genitals. It's a great thing for men everywhere, and a product I highly recommend to all I know," Sissoku proclaims.
About Size Genetics Review Online:
Size Genetics Review Online offers an unbiased review of the most popular male enhancement product currently offered today. The review pulls from the site owner's personal experience along with factual results. The owner receives a small commission on each sale made from the website, and this money is then used for the overall administration of Size Genetics Review Online.
For more information about us, please visit http://www.sizegeneticsreviewonline.com
Contact Info:Name: Ethan SissokuEmail: firstname.lastname@example.com: 0191 4573453Organization: Size Genetics Review Online
Source: http://marketersmedia.com/size-genetics-review-online-divulges-results-of-penis-enhancement-device-study/50600
ReleaseID: 50600
1909 Wynnton Road
Columbus, Ga. 31906
FCC Public File
EEO Report
Closed Captioning

subset: commoncrawl


text:
Police spat with trolley driver
Date: July 22, 2009
by: The Observer Staff
In the nine years Pati Beardsley has been a police officer on Longboat Key, she doesn't remember a dispute like the one in which she was involved Wednesday, July 16.
Gulf of Mexico Drive was shut down around noon that day to protect the firehose placed across the road for a fire at 5060 Gulf of Mexico Drive.
Instructing drivers to turn around if they didn't have time to wait, Beardsley met Sarasota County Area Transit trolley driver Phillip Wagg, who refused to turn his trolley around and threatened to run over the charged firehose with the passengers he had on board.
Beardsley wrote in her report that Wagg became hostile and threatened to run over the hose, saying, "You can't close a road just because of a fire" and the "rich people out here think they own the whole island."
Beardsley explained that it was a criminal act to run over a charged firehose and that the explosion from the hose could damage the trolley and cause it to flip over.
Because of Wagg's repeated statements that he was going to drive over the hose, Beardsley contacted a SCAT supervisor to alert SCAT of the situation.
Although Wagg did comply with Beardsley's request, SCAT officials confirmed that Wagg, a probationary employee, was terminated from his position because of the events that unfolded that day.
See the Opinion section for a letter to the editor about Wagg.
Currently 0 Responses
- Oct
2 Power Networking Seminar
4:00 pm - 6:30 pm
- Oct
2 Florida's Children First 2014 Sarasota Reception
5:30 pm - 7:30 pm
- Oct
16 Pillar of Hope Open House
5:00 pm - 9:00 pm
- Oct
16 Business After Hours Networking Event
5:30 pm - 7:30 pm
Correction: Heitlers to net 75 years in April
In its Sept. 18 issue, the Longboat Observer featured Plymouth Harbor resident George Heitler, a lifelong tennis player who has played tennis for most of his 99 years and is a regular at the Longboat Key Public Tennis Center.
Win big in two Observer contests
Starting in October, the Observer will now offer prizes for winners of the weather photo contest, sponsored by Manasota Flooring Inc.
Mar Vista begins dock construction
Mar Vista Dockside Restaurant & Pub is on track to have a new dock by the end of October.


text:
Employment opportunities at Perkins School for the Blind
Recruitment Open House at Perkins School for the Blind
Join us for a
Recruitment Open House on Wednesday, May 2nd from 5-8pm
in the Grousbeck Center for Students and Technology
Come visit the Perkins School for the Blind to learn more about
our exciting employment opportunities. Perkins School for the
Blind embraces diversity in ability, thought, culture and belief.
We provide equal education and employment opportunities and value the unique talents and contributions of all of our students and staff.
Learn how you can be a part of our growing mission and work for a cause you can believe in.
We currently have opportunities for:
• Teaching Assistants
• Teachers
• Physical Therapists
• Assistant Coordinators of Residential Living
• Administrative Assistants
• And many more!
We provide excellent benefits to a diverse staff and are committed to helping people grow their careers as they help us to serve people in need.
RVSP: Please e-mail firstname.lastname@example.com if you plan to attend or if you would like more information.
For directions via car or public transportation and for a map of the campus please visit: http://www.perkins.org/contact/directions/
Check our website to see a list of regularly updated employment opportunities: www.perkins.org/careers/opportunities. To apply, please submit a resume and cover letter with your application for the position you are interested in.
Perkins seeks to enhance its community of intellectually, culturally, and socially diverse individuals to enrich the educational experience of our students. Applicants from a multicultural background, are bilingual, and/or who have life experience are encouraged to apply.
Perkins School for the Blind
175 North Beacon Street, Watertown, MA 02472 617-924-7210 phone 617-926-7635 fax www.Perkins.org


text:
Grow Your Savings by Paying in Full
Published on - May 11th, 2010 (Modified on - May 18th, 2010) (by April Dykman)
This post is from GRS staff writer April Dykman.
In the past six months, I've spent more money on personal development than I have in my entire life. I've also spent considerable amounts on laptops and on a holistic wellness program. Now that I'm somewhere in the third stage of personal finance, I see the value in investing, and I'm not just talking about the stock market.
What I started to notice was how having my finances in order was creating more savings. In just six months, I've saved more than $1,250 on the costs of goods and services because I was able to pay the total amount upfront.
No interest
There are a few ways that paying in cash (or with a credit card paid off in full) can save money that astute GRS readers can easily identify. For one thing, paying in cash means no interest. The higher the interest rate, the more you pay. Credit cards also present the possibility of late fees and other charges if you don't pay the balance every month.
Negotiation power
I haven't actually used the bargaining power of cash myself, but I read about it in researching this article and feel it's important to mention. (I'm awful at negotiating. It's something I'm trying to learn.) Basically, if you are dealing with someone who is in a position to negotiate price, you can get a better deal by offering to pay in cash. For small businesses, cash is cheaper, faster, and a sure bet. No personal checks to cash (that could bounce) and no credit card fees. The transaction is completed on the spot.
Contrary to popular belief, one time that cash is not king is negotiating for an automobile. In fact, mentioning your ability to pay in cash may mean you'll pay more. Car dealers make more money when you finance through them. If you announce your intention to pay in cash, they'll be less likely to lower the price. Agree on a price and keep your payment method to yourself until you're in the finance office.
The lesson here is to consider the business and the person with the bargaining power. Is it in their best interest that they receive cash? If so, it never hurts to try to negotiate. I say that to you, the readers, as well as to myself!
Forgoing payment plans
This is the method that has helped me keep the most money in my online savings account the last several months. A quick rundown:
- In November, I enrolled in a yoga teacher training program. I could pay the total amount upfront, or I could elect a monthly payment plan. At the end of the training, the monthly plan would cost $500 more than paying in full.
- In January, I joined Ramit Sethi's Earn 1K program. Earn 1K had a similar structure, where paying in full was less expensive in the long run than monthly payments.
- Last month, I started going to a new wellness center to address shoulder and back pain, and the start-up program was 15 percent less if paid in full.
When I added up the savings, I started to see how savings begets savings. When you have a handle on your finances, there are many instances where you can pay less. I imagine that wealthy people, or at least those who were taught good money habits at an early age, would probably laugh at my little revelation, finding it hilariously obvious. Oh well, better late than never, right?
This may not be for you
I think this concept, while useful, also deserves some words of caution. A few guidelines on the tactic of paying in full:
- If you are still paying off debt, paying in full may not be appropriate just yet.
- If you can only pay the full amount using a credit card that you can't pay in full, this is definitely not appropriate for you. And it doesn't even count as paying in full.
- Only pay in full if you know for a fact that you will use the product or service. For example, if you never stick to an exercise plan, think twice about buying a full year of personal training sessions. Start smaller to establish good habits.
- If you do commit to a year of training sessions (or anything else), make sure there's a money-back guarantee or loopholes if your situation changes. In the yoga program, if I had to quit, I'd be refunded the percentage of the course I didn't attend. Earn 1K offered a money-back guarantee. Terms should be fair to both buyer and seller.
Feel free to add more guidelines in the comments if I've left anything out, and if you have an example to share, share it!
J.D.'s note: Yes, yes, a thousand times yes! I've noticed this myself, and it's one of the best parts of being out of debt. Plus, when you have control of your finances, you're able to take advantage of unexpected deals and opportunities.
This article is about Advanced, Hints and Tips, Savings
When it comes to saving money, I could not agree more with April's concept.
While it does take some time to build up "lump-sums" they are EXTREMELY effective in eliminating interest and prolonged period payment plans. In relation to J.D's article yesterday, often paying outright — even sometimes for the more expensive service — can save you hundreds of dollars in the long run.
And it isn't always about the large purchases either, certain local grocers etc. (as was mentioned in a "farmer's market article" by Sierra Black, will give mass discounts when paid in cash in order to avoid transaction fees as well as local private markets & vendors) so I agree that in many terms it is a win-win situation.
Living in a household that was paycheck-to paycheck, I saw my parents both lose vast sums of money using payment terms. I often feel that this is what kept them behind in the grand scheme of things as they often couldn't fathom the idea of "paying in full" as it was often misconceived as being something "only the wealthy can do."
That is where the idea of establishing prior savings comes in, to save you money and heart-ache in the long run.
I'm taking french classes at the Alliance Francaise in Toronto and they have a deal where you can save money by enrolling in two or more consecutive classes and paying in full upfront. I knew that I wanted to take the A1.2 course after I finished the A1.1 course so I was able to save $60 on my tuition fees. If your work schedule is consistent and you know you can commit ahead of time it's a good deal.
You are definitely right! Paying in full really helps to save your money, especially now in these hard days. Very helpful post! Thanks for sharing!
I have car insurance through Geico and if you pay month to month they charge an additional $4. However, if you pay for the full 6 month term, you can eliminate that $4 fee. I pay in the full amount for the 6 month cover because car insurance is something I need every month. With that being said I can't understand why people don't/can't pay for the full 6 months. If you really can't afford to make your insurance payment for the entire 6 months perhaps you should think about downsizing your automobile to contribute even more to your savings.
I have to disagree with the cash and cars. In the middle of last year – when we showed up with cash and a print off of the lowest we found the car in a 200mile radius- we drove off the lot $3500 off a small car. Credit was very tight and cash was king!
My daughter offers 2% off of her small business if you don't use credit cards- that is her processing fee.
FOr those who care- VISA has the smallest processing fee- American Express has the largest.
We recently did this with life insurance. Our initial quote was monthly, but I asked about an annual payment instead and that was less, so we pay it annually instead of monthly. Not a big deal for us, but if you don't budget well a $400 bill one month might throw you off.
I am installing a vehicle and paying it monthly. If I can't pay on the right time, there will be an interest to my monthly payment. And then I realized that if I pay it full I could have saved more money in my pockets. And I think, April is right, paying in full is better.
yeah, fir as long as I owned a credit card, I've always paid my balance in full every month. I've never carried a balance. I see so many friends of mine paying ridiculous amounts in interest every month I just don't get it. they tell me they rather pay little every month than paying it off all at once. go figure.
Great advice. Like April, I'm trying to grow my freelance business through investments and paying upfront. I paid my full annual fee for an online storage service, and Skype, and saved quite a bit of money both ways. These are both services I use nearly daily.
In the case of items I needed in bulk, like domain names, I bought from registrars that encouraged bulk pricing or gave you a deal on items such as privacy if you bought more than a certain number of domains.
I'm careful to make sure I'm actually going to use these services for my business. Otherwise I might be tempted to buy something just because it's a good deal, rather than because I'm actually going to use it.
My strategy to obtaining wealth can be summed up in one simple rule. "Never borrow money to pay for a depreciating asset."
"If you do commit to a year of training sessions (or anything else), make sure there's a money-back guarantee or loopholes if your situation changes. In the yoga program, if I had to quit, I'd be refunded the percentage of the course I didn't attend. Earn 1K offered a money-back guarantee. Terms should be fair to both buyer and seller."
I like this advice, because we have always a choice. How obvious this may seem, I had not realised it yet. When I go to a gym, they want me to pay a full year in advance, with no money-back guarantee. Now I realise that I have the choice not to buy their services, and let them know exactly why not.
Not all wealthy people do know this.
I have friends whose household income is twice that of my family's. I was surprised to find that our friend has not paid off his grad school loans and was taking a loan to buy a new car. MrP graduated from a similar program the same year, and MrP's grad school loans were paid off several years ago. We also have paid cash for our cars.
I will echo some of the other posters regarding insurance payments. Progressive offers ~$50 off your 6 month car insurance bill if paid in full, and many other companies charge a monthly fee for monthly billing. I recently purchased an umbrella policy (also from Progressive). The cost was $160, and they offered to let me pay half at the time, and the other half a month later for a $5 fee (or more, can't remember). I almost laughed at the nice lady on the phone. I couldn't imagine being in a situation where I was so tight on money that I couldn't afford the extra $80 to save the fee BUT was still willing to purchase the policy.
If you can get one full term ahead on things like insurance premium payments, then you can just as easily bank those monthly payments in a separate savings account. Use the money from that account to pay costs upfront, and pocket the savings.
Most people with large income are not Wealthy. They are UAW (Under Accumulators of Wealth – Millionaire Next Door) or they are HENRY's (High Earners Not Rich Yet).
In both cases lifestyle inflation is a big factor. No longer is a Camry or a Accord acceptable you need a 5 series. Can't send your kids to state school/college only private. And those big houses with big mortgages have even bigger maintenance cost.
Just think about it that way.
I think a lot of it comes down to knowing whether or not you will actually use the service, and knowing/trusting that the business will still be there throughout your term.
You hear a lot of warnings about prepaid healthclub memberships, but I love mine. I paid $900 in advance for a 3-year membership, with subsequent renewals being $50 PER YEAR!! I'm in my 7th year and still going strong.
I prepay whenever I can. I usually research something well enough to know if I want it or not. If I don't think I will use it for a year, then I don't need it for a month.
When I bought my last car, I financed it to get the 1,000 dollars off they were offering for using their finance plan. I then paid it off a month later. I guess you just have to be aware of what programs are out there. I will be careful offering up cash right away now though, as you do raise a good point that they make most their money off the financing.
Good post!
I recently did this with my auto insurance, saved 15% by paying a year in full! I wish I could get 15% return in my savings account.
@ CathyG – That is awesome! I am always so impressed with people who can take advantage of those types of savings. For me, it would have probably been a waste of some of the money because my life isn't that consistent.
I am doing this for an expensive dental problem not covered by insurance. Once I decided to have it done, the oral surgeon offers either 4 or 5% off if you pay at the time of service (versus a payment plan). I have been saving for the procedure. I then charge it to my credit card, which gives 1% cash back benefits, which I then pay out of savings. I could have saved even more if I put that amount aside in my flexible savings account, but broke the tooth in Jan after the enrollment period.
Good post and paying cars with cash does work. You can negotiate and get on the spot discount and save money by not paying any interest. This applies to any product which depreciates in value.
Hmm I can save a lot of money by paying cash and not getting a receipt for some expensive purchases…like home renovations for instance.
But egads, morally I feel like the cash only under the table deals are not worth the frugality of saving a few hundred bucks. To each their own.
I would add that one should also consider the time horizon. For example if you buy a ton of stamps that money is just sitting in your desk until you use them. If you don't use some of them for five years that money was sitting there, not doing anything, for five years.
I don't think April is talking about avoiding paying receipts tax but the convenience and guarantee of payment some businesses are willing to give a discount for. No one should EVER have a home renovation or repair done by licensed individual that isn't completely documented. This is to cover your own butt. If something is wrong, or if you have to prove it was done by someone qualified, you need that paperwork in place. But as some have said: paying cash avoids transaction fees and paying up front saves them time and aggravation of billing you and tracking you down to pay later.
Another place you can save money by paying in full is with memberships to your Alumni Associations. You can save even more money if you become a member right after graduation (you usually have a 4 year window), pay in full and get the Lifetime membership!
At my alma mater you can pay $50/year ($35/year as a recent graduate) for a Joint (husband and wife) annual membership or you can pay $1000 up front for a Joint Lifetime membership for $1000. If you can't swing the $1000 up front they will let you spread it out over 4 years, but add an additional $100 for that "convenience".
If you are a recent grad you can cut that down to $800 up front or $900 over 4 years.
I know a lot of people might think joining an alumni association is a waste of money, but at some schools it can pay off. Mine gives you really good discounts on travel, especially in the state the university resides, which in my case is Florida. There can also discounts on school rings, entertainment, sports team apparel, and of course they always send you free return address labels and bumper stickers.
Do what Grandma did, pay cash! Avoid the credit cards, even the zero percent interest trap. Millionaires don't use payment plans for a reason…it's a trap into allowing you to spend more money than you can really afford. If you can't pay for it now, you can't afford it yet!
Dollars Not Debt
@ Adam:
So I guess the lesson you have to offer is … ask for a receipt when you pay cash. Good point.
I've found that several services I habitually paid on a monthly basis– and that seemed to be set up only for monthly payments — offer reduced charges for annual payments when you poke around on the Website or call customer services. Magazine subscriptions, dvd club memberships, insurance policies, telephone/Internet services, I've gotten better deals on all, and the subscriptions and memberships often let me suspend the membership for weeks at a time when I'm not likely to use it, with no loss of paid-for time.
Good post. I definitely agree with what you say. I'll just throw in another instance where paying cash won't necessarily get you a discount – at a large furniture or electronics store, or basically any store that offers a store credit card. Same principle as buying a car – they make $$ off of interest and finance charges. In these types of situations it is best to negotiate. You can ALWAYS get a discount if you're buying furniture. Electronics have less of a markup, but usually you can get the store to throw in something free or take the equivalent of the tax off of the item.
I second the idea that it *can* be wise to sign up for longer periods of time for certain services (like fitness memberships), but you have to make sure you're actually using it. Reminds me of the post a couple weeks ago where the idea of reevaluating subscriptions often was discussed, and by signing up for longer memberships etc., it's harder to do that.
For years we would put as much down as possible on a compact car and then pay by the month for our insurance w/ interest rate of 18%. Currently we have no car payments and have paid our insurance in full for each of the last two years. When we next buy a car we'll put down a bit less so that we can avoid the interest on car insurance which is much higher than the interest on a car loan.
Nice article, April!
When I decided to get out of debt, the very first change I made was to enact a "no new debt" policy. I began delaying purchases until I had the cash upfront, so that I wasn't adding to my problem. From a logical, rational standpoint, it's pretty easy to understand why this is the "better" approach, for all of the reasons April enumerated above.
What I didn't expect was how empowering paying cash feels. If you've never made a big ticket purchase with cash on hand, it totally feels different than when you just slap it on a credit card. Partially it's the control you feel, moving your own money around rather than relying on the "kindness" of creditors, and partially it's the lack of guilt, bc you know you won't have to repay it for years to come. I feel like it even helps me enjoy the purchases more, both bc I research my purchases over the time period when I'm saving up the money and bc after I make the purchase, there's no "debt hangover" of having to pay the credit cards off.
At this point, I'm pretty addicted to the feeling–it would take a pretty serious financial emergency to convince me to charge anything on a credit card!
April, when paying off credit card debt, one may consider credit cards with long term balance transfers and low interest on balance transfers so they can save from the higher interests of their other credit cards.
Paying in full saves us on our car insurance. Plus, I like the feeling of not owing anybody the rest of the payments. I cannot wait to get my husband's car paid off this year and then tackle the house loan. Being financially in control and debt free is going to feel awesome!
We recently had to have termite treatment and pest control. I was able to choose from 90 days same as cash, paying up front to save 4% or putting on the credit card to get 1.25% cash back. Having the full amount sitting in the bank made it nice to be able to choose between the options. We decided to do the credit card (paying it off of course) so that we had the option to cancel the ongoing service without losing anything.
Some services look at you like you've got two heads when you ask if they offer a cash discount–it's just not a question they ever get!
We're trying to instill in our son the same financial values we hold. Last summer, he worked one day a week in the store of a family friend (he was not yet 16) and was saving his money for a much-longed for IPod Touch. He diligently saved and when he had enough, we drove to the Apple Store where he proceeded to hand over his cash (actual cash). The store clerk could not count it. How sad is that? He actually did not know how to count cash! His explanation? Everyone pays with a credit card.
Car dealers make more money when you finance through them. If you announce your intention to pay in cash, they'll be less likely to lower the price.
My last 2 car-buying experiences we financed the car through the dealership with no pre-payment penalty.
We then paid the loan in full a few months later.
Here's a suggestion of one place NOT to pay in full: the dentist's office. If they request payment up front for treatment covered by insurance (before they even make the insurance claim), walk away.
I ended up paying full price for some minor dental work that the office later claimed for; my share should have been half what I paid, based on what I was quoted. (The dentist had alleged that my treatment was an "upgrade".) I'm getting a cleaning there this summer and when I walk out it will be with a copy of my file so I can go someplace else the next time.
It wasn't enough to be worth pursuing in small claims court but it sure was a pisser!
Small business owners love cash. I negotiated a lower rate with the cleaning service that does my apartment every two weeks. Because it's very small, they are able to finish in only 1 hour where they normally only book 2 hour minimums. When I agreed to pay in cash up front, they agreed to squeeze me in on any hour that day that works for them. I get a better deal by being more reliable. A win-win.
I keep forgetting I see some things more clearly than others, so when I read something like "forgoing payment plans", it doesn't occur to me right away that you're talking about plans that AREN'T interest free The only things I've paid interest on since the end of 2001 (my first full year out of college) are my car (paid), student loans (paid), and my mortgage. Every other purchase I've made (tv, living room furniture, bedroom furniture, stuff to fill my new house, laptop, etc) has been 0% financing, paid off in full 1 month before it runs out.
Whenever I discuss financing with my friends, and they tell me i can save money by paying it all up front, i tend to get this really confused look on my face, until they explain to me finance charges add to the total cost (because apparently I'm too stupid to know about finance charges), and then I go on to explain to them that only dumbasses pay finance charges, and my brain would never even consider doing something so stupid because its beneath me. I've evolved to a plane of financial existence where I don't need the same advice as joe schmo. I just opened a second bank account because my interest checking maxed out at the first one.
Having said that – GREAT article, one that I plan to pass on to friends who lack the common sense to already be doing this.
I also want to add to the caution section on this article. I pay my auto insurance company in full for a 6 month term and that saves me money. However, if you find a better rate at another auto insurance company in the middle of your policy, you will most likely have to pay a termination fee to cancel early and it might eat up the savings you think you're going to get with the other company. So be sure to shop around first and read the terms and agreements.
i have owned a credit card since i was 18 and have always paid in full every month. I think its important to note that paying with cash or credit, if you cant afford to pay for it in full, you shouldnt be buying it in the first place. Take a car for example. If you dont have 10000 to buy that car, you shouldnt take out a loan for that car and pay 13000 over 5 years.
I think its important to note that paying with cash or credit, if you cant afford to pay for it in full, you shouldnt be buying it in the first place. Take a car for example. If you dont have 10000 to buy that car, you shouldnt take out a loan for that car and pay 13000 over 5 years.
Absolutely. It amazes me when people on this site justify their car loans and talk about schemes to pay less interest. Imagine what people who don't read this site are doing! You may need a car, but nobody needs a brand new $20,000 Civic.
I've had a car since I moved out, but I've never had a car loan. My first car was 13 years old, because that was the best car I could afford. Now, 10 years later, I can afford the car I really want, because I have the money for it. And a big part of the reason I could save that kind of money was because I wasn't making payments on my first car.
CONGRATS! Its definitely an very empowering feeling to not have to sign a loan or pull out a credit but to pull out the cash & pay it up front! Dave Ramsey is famous for saying "if live this no one else, later you can live like no one else." Keep up the hard work & saving!
And yet another way to save because one is financially aware.
The only other caution I would add: If paying in full now, means you will or may have to incur extra charges (interest, late fee, etc.) on something else down the road, then you aren't actually saving money — and probably aren't quite to the point in your financial recovery to benefit from paying in full.
For example, you have the $500 now to pay for 6 months of insurance and avoid the $5 per month payment fee. However, next month you have a dip in income or some other unforseen event and are late on some of your debt repayment plans — resulting in late payment fees.
I'm still a newbie in my financial recovery. It's not yet an automatic for me and I still occassionally pay the larger amount for the better long run deal, forgetting that my phone payment will be due before my next paycheck.
Oh well, progress, not perfection.
By the way, this site is one of the most eye-opening and inspirational I've ever encountered. My financial track record absolutely sucks, but I finally believe that I can eventually repair it.
Good post. Great discussion!
When you are in a situation where you can pay cash for a product or a service, you simply have more choice. Sometimes buying used is a much better deal. Autos are a great example. I think many people finance big ticket items simply because they can't really afford the alternative. What if the used car breaks down? Then what? Financing a new car gives you a warranty but you certainly pay for it. Am I advocating only buying used cars and paying cash for them? Why yes, I am. Forcing oneself to go out there and pay cash quickens your resolve and ultimately leads to a better deal (most times I would argue).
I am not trying to blindly pimp my blog but I wrote about exactly this subject recently: http://worthwild.net/blog/?p=105
and touched upon it here:
(Please forgive my blogging faux pas)
There are also a few areas that have saved me a bit recently:
1. DVR service. Moxi has a sizable upfront cost but is an awesome alternative to Tivo (or your cable company DVR). Monthly DVR fees can add up in a hurry.
2. Prepay Vonage for a year and save 20%! (I wish Netflix had this option)
There is also something to be said about buying things out of season. Now is a great time to buy that wood stove you have been thinking about (look on craigslist), or that snowblower…you get the point.
This article got me thinking. I have no debt except for a mortgage. However, by using the credit card and paying it off monthly I'm still wasting money I could be saving. Even if I don't pay interest I'm still spending more than i would if I had to go get the cash.
I would think negotiating the price of a new car would come BEFORE deciding upon a payment method. I would make that very clear to the salesman up front.
Just one thing that is a bit of a pet peeve for me…those who keep talking about "owning" a credit card, nobody owns that card but the bank/company that issued it. And if you carry a balance without paying it off every month, it actually owns you.
*climbing down off my soapbox now*
Great post! I see few examples where if you can not pay the full amount in cash/debit, then you probably should not be buying it. Also, the psychology of paying for big ticket items with actual physical cash (and not plastic) will definitely make you think twice if you really need the product.
I always try to pay things in full. But sometimes there are incentives to finance, or charge, in which case I do and then promptly pay it off.
We have always paid car and home insurance as a lump sum, as well as our property taxes. We are always offered "convenient" monthly payment plans, but find that we can just as conveniently budget for ourselves and save the interest charges.
Our home alarm system recently offered us one month free if we prepaid the annual amount. I'm all for businesses that reward clients who have learned how to handle their own finances responsibly.
Payment plans flat out scare me. I haven't bought anything yet that I haven't been able to pay in full.
Just a quick question, what about situations where the amount is pretty sizeable? Wouldn't it make more sense to take the savings, invest them in an instrument that earns more than the payment plan interest rate and then pay installments?


text:
30 U.S. Code Chapter 32 - METHANE HYDRATE RESEARCH AND DEVELOPMENT
This chapter is comprised of Pub. L. 106–193, as amended generally by Pub. L. 109–58, title IX, § 968(a),Aug. 8, 2005, 119 Stat. 894, known as the Methane Hydrate Research and Development Act of 2000, which was formerly set out as a note under section 1902 of this title.
The table below lists the classification updates, since Jan. 3, 2012, for the contained sections. If there are multiple sections, they are presented in section number order (original document order).
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text:
Tag: SystemPreference
Give your Dashboard a kick in the pants
After reading through the comments on my post about Dashboard Widgets, I noticed quite a few people lamented the fact that the widgets have to go through a 'start-up' process every time you turn on your Mac or log out and log back in. Well, not anymore. We actually covered this four years ago,...
Subscribe to Newsletter
Software Updatesmore updates
- iOS 8.0.1 update now available (Updated -- Don't update!)
- NFL Mobile updated for 2014 Season with new Fantasy Football features, NFL Now integration
- Yahoo Mail improves email inbox searching with new filtering options
- Ember for Mac gains 'hugely-requested' screen recording feature
- Spotify update adds equalizer, refreshed Artist page and more
- Fantastical 2.1 for iOS adds new snooze, search and notification features


text:
Click on a thumbnail to go to Google Books.
The Light Between Oceans: A Novel [Light Between Oceans] by ML Stedman (original 2012; edition 2012)
by MLs
Work details
The Light Between Oceans by M L Stedman (2012)
» 8 more
Compact | Rate recommendations
M. L. Stedmans' debut work of fiction, "The Light Between Oceans" is another exhibit in the case against reading cover blurbs. This book had a note using the term "heartwarming," which is not appropriate for this book, in my opinion. "Light Between Oceans" is a fine effort that deals with love, war-ravaged psyches, and the jealousy of the maternal instinct. It's also a well-unified piece, using the bright spot of the little girl to encapsulate the shining light of opportunity and love between two opposed mothers. But I would hardly consider this novel's events or conclusion "heartwarming."
Ms. Stedman's book contains the story of a lighthouse keeper and his wife, a young couple who have suffered through several miscarried pregnancies. One day a miracle falls to them: a baby washes up on their remote island in a rowboat, the man in the boat with her (apparently her father) dead from cardiac arrest. The plot has interesting points, and is made quite believable by the author. But flaws creep in … I had a difficult time with how willing the young mother (Isabel) was to assume the duties of and give the love of a mother. My suspension of disbelief was further strained by Isabel's apparent willingness later in the book to let people think the absolute worst of her incarcerated husband.
Nevertheless, this book's descriptions of beautiful and captivating little Lucy-Grace are perfect – never off by even the tiniest bit. She embodies the shining hope and ideal object of love for two different women, and thus stands out as the light between two oceans. However, this book made me tense, as I kept expecting a certain outcome, but was disappointed in that expectation. And the very end didn't quite seem necessary, and had a definite formulaic feel, which the rest of the book certainly did not.
A family saga, set in a unique place – off the southeastern coast of Australia – that deals difficult family, legal, and psychological issues, this is a flawed but interesting debut. This author shows promise, but I recommend waiting for subsequent efforts.
Two stars because at times this looked like it was going to be an exploration of survivor guilt, but only two because it turned into a soap-opera, neatly wrapping up all kinds of questions in a feel-good resolution that happens too suddenly to be plausible.
Beautiful story that once started I could not put down.
I had to hurry and finish this one so the next person in line at the library could have it. I am so glad I did finish it though. First of all wonderful descriptions of the lighthouse and life on it. (LOVE that type thing)
Tom Sherbourne-just gotta say I loved his character. Back from the war thinking he should have died instead of his fellow soldiers. This man has such a good heart. He knows the wrong part of keeping Lucy but love for his wife and the child overwhelms him. Then there is Hannah's character missing her husband and child. I just cannot imagine the pain she went through.
I can see both sides of this story and the author did a good job of introducing the characters and making you see them as people. I've lost a baby so I know that awful heart breaking pain--and then as a miracle a baby appears? Not really morally right to claim it as their own but I can see how they just wanted that baby so badly.
I love books that make you think and this one does that.
There are places in this book, where you can't put it down because you have to find out what happens in this story that proves you're damned if you do and damned if you don't. Tom Sherbourne, on his return to Australia after WWI, is assigned lighthouse keeper on remote Janus Island. He and his young wife, Isabelle, are happy, but saddened when each of her pregnancies ends in a miscarriage. While struggling with the latest miscarriage a dead man and a baby wash up on the beach. Isabelle convinces her husband into not reporting the baby but keeping it and claiming the baby girl as their own. Tom reluctantly agrees as he falls in love with the baby, too, and relishes the change brought about in his wife. But there is a problem, the baby has a grieving mother back in the closest village on the mainland. This riveting story takes the reader from the happiest days to the darkest days in Tom and Isabelle's life as the baby is returned to the birth mother. But how do you sever ties with a child you consider your own? How does a birth mother come to terms with a daughter who pines to see her other parents.
Light" is a story you want to finish, despite some predictability problems. I cared about Tom and Isabel, and cheered for them even as they betrayed each other. And I was charmed by the supporting cast of characters (Bluey and Ralph in particular).
Stedman's grasp of the dialect of the region's inhabitants and dialogue fitting for the era are admirable. Her writing is sound, if sometimes uninspiring, but every so often she throws out a gorgeous line that you have to stop and read twice to appreciate, like this one: "A goblin thought jumps onto her shoulder: what's the point of tomorrow?" Or, "The rain is falling more heavily, and in the distance, thunder grumbles at being left behind by the lightning." Nice.
First-time novelist Stedman did what all good writers should do: She got her readers emotionally invested in her story.
As if you needed it, here's more proof that this novel is worth your time: The film rights have already been picked up.
The miraculous arrival of a child in the life of a barren couple delivers profound love but also the seeds of destruction.......A polished, cleverly constructed and very precisely calculated first novel
As time passes, the harder the decision becomes to undo and the more towering is its impact. This is the story of its terrible consequences.
But it is also a description of the extraordinary, sustaining power of a marriage to bind two people together in love, through the most emotionally harrowing circumstances.
Light Between Oceans' is tough to shake off....And to the author's credit, Light's resolution is neither sensationalistic nor overly tidy. Everyone in this book has to make tough choices, including the little girl. By letting neither her readers nor her characters off the hook easily, Stedman creates a bond that makes her book tough to shake off.
References to this work on external resources.
Wikipedia in English
No descriptions found.
"A novel set on a remote Australian island, where a childless couple live quietly running a lighthouse, until a boat carrying a baby washes ashore"--
(summary from another edition)
Amazon Kindle (4 editions)
Audible (1 edition)
CD Audiobook (6 editions)
Project Gutenberg (0 editions)
Google Books — Loading...
Popular covers
An edition of this book was published by Audible.com.
Recorded Books
An edition of this book was published by Recorded Books.
LibraryThing Early Reviewers Alumn
The Light Between Oceans: A Novel by M L Stedman was made available through LibraryThing Early Reviewers. Sign up to possibly get pre-publication copies of books.
Is this you?
Become a LibraryThing Author.


text:
"Why in the World are They Spraying?" Official Trailer
- Activistposter
- uploaded: Feb 28, 2012
- Hits: 415
Coming Fall 2012: "Why in the World are They Spraying? Produced by the Originator and Co-Producer of "What in the World are They Spraying?" Michael J. Murphy Co-Produced by Barry Kolsky is an investigative documentary into one of the many agendas associated with chemtrail/geoengineering programs, "weather control"
2 comments
Eddychuck February 28, 2012 5:10:32 PM CET
I wonder if the insurance companies and Monsanto is behind this. It has to be someone with a lot of political clout for sure. They are doing this in secret, but it's all over the sky. We need to stop this atmospheric genocide. The salts that they are spaying are pollutting our soil and water.
Eddychuck February 28, 2012 5:06:23 PM CET
Before you start messing with our atmosphere ,don't you think you should get permission of the people of the planet first?


text:
42 U.S. Code § 280k–1 - Research-based dental caries disease management
(a) In general
The Secretary, acting through the Director of the Centers for Disease Control and Prevention, shall award demonstration grants to eligible entities to demonstrate the effectiveness of research-based dental caries disease management activities.
(b) Eligibility
To be eligible for a grant under this section, an entity shall—
(1) be a community-based provider of dental services (as defined by the Secretary), including a Federally-qualified health center, a clinic of a hospital owned or operated by a State (or by an instrumentality or a unit of government within a State), a State or local department of health, a dental program of the Indian Health Service, an Indian tribe or tribal organization, or an urban Indian organization (as such terms are defined in section 1603 of title 25), a health system provider, a private provider of dental services, medical, dental, public health, nursing, nutrition educational institutions, or national organizations involved in improving children's oral health; and
(c) Use of funds
A grantee shall use amounts received under a grant under this section to demonstrate the effectiveness of research-based dental caries disease management activities.
(d) Use of information
The Secretary shall utilize information generated from grantees under this section in planning and implementing the public education campaign under section 280k of this title.
Source(July 1, 1944, ch. 373, title III, § 399LL–1, as added Pub. L. 111–148, title IV, § 4102(a),Mar. 23, 2010, 124 Stat. 551.)
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text:
Paralyzed Dog Saved in Joplin, Mo.
A community rallies together to help an injured pup
Please note comments are moderated. After being approved your comment will appear below.
Submitted by Monica | June 20 2011 | Permalink
Wonderful story! Caring for animals brings out the best in humans and I wish we would learn to treat each other as well as we treat our canine companions. Thanks for the heartwarming story for my dreary Monday morning!
Submitted by Jennifer B. | June 20 2011 | Permalink
Beautiful story. It's always good to hear of a miracle, because they do happen and this was definately one! Thanks Bark!
Submitted by Carol | June 20 2011 | Permalink
Wonderful story! It's so nice to read a feel good story about people and animals! All involved in her care the best!
Submitted by marlene weale | June 20 2011 | Permalink
Lovely, cheering story. Just off to bed on that optimistic note. God bless all these good folk.
Submitted by greg b. | June 20 2011 | Permalink
thank you silent partners and the college of veterinany medicine.you saw a need and came through.
Submitted by Sharon | June 20 2011 | Permalink
It is stories like this that give me hope in mankind. I love this and am so happy for Sugar and her family.
Submitted by Anonymous | June 21 2011 | Permalink
How wonderful for this dog and her family - what a generous community effort!
Evelyn in cincinnati
Submitted by Janie K. | July 5 2011 | Permalink
The wonderful people at Silent Partners, Orscheln Farm and the College of Veterinary Medicine took a tragedy and turned it into a blessing.
Thanks for sharing the story Bark and thanks goes out to all the people who helped Sugar and her family. :o
More From The Bark
More in JoAnna Lou:
Copyright © 1997-2014 The Bark, Inc. Dog Is My Co-Pilot® is a registered trademark of The Bark, Inc


text:
Availability: Usually Ships Within 24-48 Hours
Seventh Generation Free and Clear Baby Diapers Stage 6 (35+ lbs.) - 20 Diapers
Seventh Generation Free and Clear Stage 6 (35+ lbs.) Baby Diapers is ultra-kind to baby's delicate skin. Everything you want in a diaper – and nothing you don't. Bottom-loving, baby-pleasing performance with absolutely no fragrances, latex, petroleum-based lotions or chlorine processing. You'll love the way their new adjustable tabs give baby a soft and comfortable fit.
As always, their diapers are FREE of chlorine processing; they are also FREE of fragrances, latex and petroleum-based lotions, so you get to decide what touches your baby's sensitive skin. Their diapers now have an improved environmental footprint, due to a redesigned core that is more efficient at absorption and uses less processed chlorine free wood pulp.
What is a Free & Clear Diaper?Their Free & Clear diapers are FREE of chlorine processing; they are also free of fragrances, latex, and petroleum-based lotions, so you get to decide what touches your child's sensitive skin. Best of all, they offer premium absorbency and soft, cloth like comfort for your little one.
What changed in your transition to Free & Clear Diapers?Their Free & Clear diapers have a redesigned, lighter-weight core that is both more efficient at absorption and uses less wood pulp. They still offer the same premium absorbency and comfort for your baby, but these changes, as well as a reduction in the size of their plastic packaging, mean that each pack of Seventh Generation diapers now contributes less overall landfill waste than before.
Why doesn't Seventh Generation use chlorine in the processing of its Diapers, Training Pants and Overnight Diapers?They believe in processing without the use of chemicals containing chlorine because chlorine processing can produce chlorinated hydrocarbons, which have a negative impact on the environment. By choosing not to process with chlorine, they help reduce the overall amount of chlorinated toxins released into the environment, and in that way they're helping to make the world a healthier place for you and your family.
Do the Seventh Generation diapers compost or are they biodegradable?Just like most disposable diaper designs in the marketplace, Seventh Generation diapers are not biodegradable, nor can they be composted. Many of the materials used are synthetic, and do not biodegrade.
Most diapers end up in a landfill where they will not biodegrade, even if they were designed to do so.
If every household in the U.S with babies replaced just one package of diapers processed with chemicals containing chlorine with their chlorine free diapers, that would prevent 2,800 lbs of chlorinated hydrocarbons form polluting the air, lakes and streams.Your choice of Seventh Generation chlorine free products can help reduce the amount of chlorinated toxins released into the environment and help make the world a healthier place for your family and generations to come.
Seventh Generation discloses all ingredients. You have the right to know what makes their diapers safe for the environment and your baby as well as effective at keeping your baby dry and comfortable. They include a list of ingredients on all their baby care products.
Seventh Generation is committed to becoming the world's most trusted brand of authentic, safe, and environmentally-responsible products for a healthy home. For 20 years, the closely held Burlington, Vermont-based company has been at the forefront of a cultural change in consumer behavior and business ethics.
One of the country's first self-declared "socially responsible" companies, Seventh Generation is a business that operates according to a new and different set of principles and values that in many ways are a marked departure from those long considered "traditional." Its business practice is focused on offering people avenues to express their idealism, passion, and commitment to causes larger than themselves at every point along its supply chain—from suppliers and partners to shareholders, customers and its own staff.
The company derives its name from the Great Law of the Iroquois that states, "In our every deliberation, we must consider the impact of our decisions on the next seven generations." Every time you use a Seventh Generation product you are making a difference by saving natural resources, reducing pollution, keeping toxic chemicals out of the environment and making the world a safer place for this and the next seven generations.
Seventh Generation Global Imperatives
Seventh Generation Operating Principles
Place diaper under baby with tabs in back. Pull front diaper up to navel. Attach tab from back panel to special taping surface on front of diaper.
Their diapers are made of chlorine free wood pulp fluff, sodium polyacrylate (also referred to as SAP or absorbent gel), polyolefin nonwoven fabric, adhesives, polyolefin film, synthetic rubber elastic strands.
Composition: The color of disposable diapers is typically achieved through the addition of color pigments to their inner and outer cover materials. This is also true for Seventh Generation diapers. While most designs on the market use pigments that result in a white color, Seventh Generation uses a small amount of blended color pigments to impart a tan color to their diapers. The blend is proprietary to the supplier of the pigment. To the best of their knowledge, there are no known toxicity issues associated with the use of these pigments in their diapers. Without the addition of color pigments, these materials would be colorless, much like a plastic milk jug. They use brown pigments to help distinguish Seventh Generation Chlorine Free Diapers from others in the marketplace that are bleached with chlorine-containing substances.
All disposable diapers, including Seventh Generation's, rely on man-made materials to deliver the high-level performance that parents expect of modern diapers. These materials are mostly petroleum-derived and are not renewable, which adversely impacts the environmental footprint associated with these products. Seventh Generation is pleased to offer an alternative that is not bleached with chemicals containing chlorine, and are working hard to further improve the sustainability of their diaper products.
We've added your item to the Wish List. You can view your list any time from your MyLucky account page. A Wish List is useful to keep track of items you are interested in buying in the future. Once you purchase the items, they come off your list.
Sorry, we were unable to add your item at this time.
Your Wish List request is currently being processed.
Item Code: 34567
We've added your item to the Regimen. You can view your list any time from your MyLucky account page. A Regimen is useful to keep track of items you you purchase frequently (or take as part of a "regimen"). Unlike a Wish List, items you add to your Regimen are not removed from the list after you purchase them.
Your Regimen request is currently being processed.
Item Code:


text:
SHEBOYGAN, WI (WTAQ) - A house fire in Sheboygan early Sunday puts four people out of a home.
Fire crews get the call around 3 a.m. to the home on Erie Avenue.
Everyone got out safely and no one else was hurt.
Officials are still investigating what caused the fire and how much damage it caused.


text:
More News
Funeral Services Planned for Berta Olivarez Filut06 September 2014Read More...
Students return to school29 August 2014Read More...
- 1
- 2
- 3
- 4
- 5
Local Weather
Current Conditions:
Rain, 78 F
Tue - Partly Cloudy. High: 86 Low: 73
Wed - Scattered Thunderstorms. High: 83 Low: 72
Thu - Thunderstorms. High: 83 Low: 72
Fri - Scattered Thunderstorms. High: 83 Low: 70
Sat - Scattered Thunderstorms. High: 82 Low: 71
Full Forecast at Yahoo! Weather
(provided by The Weather Channel)
MISSION - Aida Minerva De La Garza, 79, passed away on Wednesday, July 17, 2013 at Mission Regional Medical Center.
Mrs. De La Garza was born on Nov. 9, 1933 in Mission.
Survivors include her children, Diana Montes of Mission, Valentin De La Garza Jr. of Pflugerville, and Ricardo De La Garza, Luis Eduardo De La Garza, Rebecca Ann Sanchez and Norma Castañeda, all from Mission; siblings, Jose L. Flores Jr. of McAllen, Irma Lopez of Edinburg, Estela Zamora of Mission, Alida A. Garcia of Garciasville and Olga Mendiola of Palmview; and 14 grandchildren and five great-grandchildren.
She was preceded in death by her husband, Valentin De La Garza; son, John David De La Garza; and a brother, Antonio M. Flores.
Visitation will be held on Thursday, July 18, from 2 to 9 p.m. with a rosary at 7 p.m. at Flores Funeral Home Chapel A in Mission. The funeral mass will be held on Friday, July 19, at 11 a.m. at St. John of the Fields Catholic Church in Mission. Interment will follow at Valley Memorial Gardens in McAllen.
Pallbearers will be Arturo Montez IV, Dr. Marte Martinez, Zachary De La Garza, Ricardo Gabriel De La Garza, Justin Sanchez, John David De La Garza and Adrian Castañeda. Honorary pallbearer will be Jared Castañeda.
|< Prev
|Next >
Advertising Information
The Progress Times is the hometown newspaper for the local communities of Mission, Sharyland, Alton, Palmview, La Joya and surrounding areas in Western Hidalgo County. We have a staff of veteran reporters who work diligently every week to bring our readers the latest news as it affects their hometown area and people.


text:
CUMC 2015 Host
Studc is pleased to announce that the 2015 Canadian Undergraduate Mathematics Conference will be hosted by the University of Alberta! More information, including conference dates and website, will be made available here and through social media (Facebook, Twitter, and Google Plus) in the coming months.
CUMC 2015 Bids Available!
Click here for more information.
Update to the CUMC Transition Bid Process!
There is a new bidding process to host the next CUMC! Please see the CUMC page for more details.
Looking to join Studc?
Fill out our application form and email it to
Deadline for 2013 applications is April 15th
Notes from the Margin
Volume 7 of Notes from the Margin is out!
(Click here to download)
Want to contribute? Email:
Funding opportunities
Cumc Award for Excellence
Apply for the CUMC Award for Excellence.
Deadline is March 31st every year.
Download your application here.
Event/Seminar/Conference Funding
Apply for financial support for you local student event/seminar/conference.
Applications are accepted throughout the year. Download your form here.


text:
Dog Kept Three-Year-Old Girl Warm, Safe
The bond between Blue and Victoria saved her life.
Please note comments are moderated. After being approved your comment will appear below.
Submitted by Braut's Mom | February 23 2010 | Permalink
It's a wonderful story, but not surprising. That little girl was part of Blue's pack. Absolutely no question that he would stay with her. If they had come across a wild animal who tried to attack her... Blue would have handled that, too!
More From The Bark
More in Guest Posts:
Copyright © 1997-2014 The Bark, Inc. Dog Is My Co-Pilot® is a registered trademark of The Bark, Inc


text:
MSF frequently publishes updates, press releases, and other forms of communication about its work in roughly 70 countries around the world. See the list below for the most recent updates or search by location, topic, or year.
- AFRICA Apply AFRICA filter
- AMERICAS Apply AMERICAS filter
- Oceania Apply Oceania filter
Filter by vocabulary: issues (multisite):
- Sexual Violence Remove Sexual Violence filter (-)
- Burundi Remove Burundi filter (-)
On June 19, 2009, MSF will hand over operation of the Seruka Center in the Burundian capital of Bujumbura, to a local association.More >
Paul had received some money. He was supposed to share it with us. When my aunt, my brother and I went to see him, he said he had only received 20,000 francs and he would give us 1,000 francs each. We said that was not enough. He said he couldn't give us any more than that and told us to come with him to the place where the money was.More >
I came back from school, I had lunch and was getting ready to go out again. My father offered me 150 francs to come to the bedroom with him. I said I didn't want to go. But then he took me over to the bed by force and did bad things to me.More >
I was walking down the street and as I passed this one house, a man took me by force, dragged me inside and raped me. I didn't know him, I had never seen him before.More >


text:
Bank of New York Mellon on the Joy of Depositary Receipts
Nick is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
The Bank of New York Mellon (NYSE: BK) discusses depositary receipts (foreign stocks traded on local exchanges) and the role they play in global investing. As one of the world's four depositary banks that manage the 3,600+ DRs around the globe, BNY Mellon accounts for over 2,700 DR programs (with a market value of over USD 770 billion) in 68 countries. With 62% of the market, BNY Mellon is the largest of the four depositary banks and, in addition to having seven of the top ten most actively traded DR programs, they also manage the largest number of DR indices which are used as investing benchmarks for ETFs and other funds.
Anthony Moro is the Managing Director and Head of Emerging Markets for BNY Mellon's depositary receipts business. Since joining the company in 1996, he has held a number of leadership roles in marketing, business development, and relationship management. His focus has been primarily on emerging markets in Europe, Russia, the Middle East, Africa and the Americas. Prior to joining BNY Mellon, he spent four years working for an international investor consulting firm in New York and obtained his undergraduate degree in Political Science (International Relations) and Organizational Behavior and Management from Brown University.
Nick Slepko: How long have you been involved with DRs?
Anthony Moro: Since 1992 – my entire working career.
Slepko: What attracted you so early to the magical world of DRs?
Moro: I think it was the ability to turn something foreign into something local.
The power of the DR really comes into play when the language is really different (especially one that doesn't even have Roman characters like Russian or Hindi or Mandarin), hugely different time zones (12 hours away), and a currency most investors haven't heard of.
I own lots of [American depositary receipts] myself, both as individual holdings as well as through exchange-traded funds that use ADR indices as their benchmark. I use them to diversify my portfolio and gain exposure to lots of amazing companies outside the US, the same way thousands of retail and institutional investors do every day.
My personal account is with Charles Schwab (NYSE: SCHW) and (in addition to BNY Mellon's own DR site) they have a good section explaining ordinary shares versus ADRs. So if you want to buy shares directly from France or Japan or South Africa, you call your Schwab broker, change your dollars into the local currency, buy it on the local exchange at the local time, and then it settles back into your account and you pay all these incredible fees to convert your currency, to hold your security, to pay your broker. The cost is pretty significant. If you are talking about [Toyota (TYO:7203) in] Japan, and you want to make a trade at mid-day US time, sorry it's the middle of the night in Japan, so you really have to wait until 10pm New York time to make your trade and find out what the price is.
However, if you are buying the Toyota ADR (NYSE: TM) here in the US and I'm a Schwab customer I pay USD 9.99 for an online trade and I don't have any custody costs or [foreign exchange] costs then it settles and trades just like I was buying Ford Motor. So, from the perspective of the average US investor it is very easy. That's what we do, we provide the back office magic that turns foreign things into local things.
Slepko: Why does Bank of New York Mellon claim it is the top DR bank in the world?
Moro: First, our company is specialized in these types of businesses. We are the world's largest custodian which is important because depositary receipt products rely on global connections. We have about a quarter of the world's investable assets sitting on our books and records as custodian to the tune of USD 27.9 trillion in assets under custody and administration. That kind of infrastructure helps, plus it is the focus of our institution. We are a securities servicing and investment service. We currently have 62% of the issuers with these products. We're also the depositary for seven of the top 10 most actively traded DR programs in the world.
The rest of the DR market is split among Citibank, Deutsche Bank, and JPMorgan. All three of our competitors are wonderful banks, but they are all different institutions.
[continued in part 2]
Nick Slepko (hukgon) has no position in any company mentioned here at the time of publication. The Motley Fool has no positions in the stocks mentioned above. Motley Fool newsletter services recommend Charles Schwab. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.If you have questions about this post or the Fool's blog network, click here for information.


text:
Corpse Run 119: Two is the loneliest number
...yeah. As some of you might have guessed, I got the idea for this one while... using the facilities.
I'll leave it at that.
Jackie confronted me today about the Snowboard Kids strip from a week or two ago. She saw it while out on vacation, and thought that I got the idea because she left some dishes in the sink. I quickly dismissed the notion, and we proceeded to watch a bunch of episodes of some interior design show that essentially was a Project Runway ripoff.
I'm not very design conscious, but one of the contestants was named Alex, so I found it wildly entertaining.
That was really awkward. I've never been in that situation before and I'll never know how to react when that happens. It's a bit funny though. - Casa Sandoval


text:
You knew that Justin Timberlake pulled in some great ratings when he hosted Saturday Night Live this past weekend, but it turns out, they more than great: they were NBC's best of the year.
According to The Hollywood Reporter , JT's fifth turn as SNL host pulled in a 3.4 rating and 8.4 million viewers, making it NBC's top-rated original entertainment show of 2013. Get that? It wasn't just the top rated SNL episode of the year: it was the top-rated program of the year overall across the entire network. The only other shows that aired on NBC that got better ratings were one-offs like the Golden Globes and an NFL playoff game.
Among Saturday Night Live episodes, Justin's was the show's highest-rated episode since one in January of 2012 that featured Charles Barkley . Looks like NBC should be approaching JT to host his own show...or at least appear on The Voice every week.
Copyright 2013 ABC News Radio


text:
PDL Solutions (Europe)
Solutions (Europe) Limited
PDL Solutions (Europe) Limited is a leading
provider of advanced 3-dimensional Computer Aided Design (CAD),
Finite Element Analysis (FEA), and Computational Fluid Dynamics
(CFD) engineering design and analysis services.
The company has full parametric engineering
design; linear, non-linear and dynamic FEA; and multi-phase
CFD capabilities to support even the most challenging programmes
of work.
PDL has networked the 3 core CAD, FEA and
CFD capabilities into one operating environment enabling the
predicted performance of a proposed design to be assessed
on an iterative basis throughout the design cycle and before
actual parts are made.
The net effect of such an approach is (1)
the mitigation of risk, (2) a shortening of the overall development
timescale of a project, and (3) a reduction in the total development
The company is based in the North of
England and supports client engineers operating on an ever-increasing
global basis.
Current news
further infomation, please select News from the main menu


text:
Mystical Butterflies
Mystical Butterflies
Inside this box, a trio of Mystical Butterflies dance: Playful pink with white tea ganache and a touch of rose; stunning purple with delectable salted caramel; and enchanting green with milk chocolate ganache infused with fresh mint.
We Guarantee your chocolates will arrive in perfect condition regardless of the temperature with $8.95 Standard Shipping.
Our white tea ganache features a white rose tea blend from Rishi Tea, who sources organic and Fair Trade Certified teas from all over the world. They enact several green initiatives such as composting used tea leaves, donating to the Clean Water Fund and printing all marketing materials on 100% post-consumer waste paper.
White tea is more delicate and a bit sweeter than other teas and is named for the peach-like silvery-white fuzz that grows during the gentle withering process of drying the leaves.
Standard Delivery: $8.95
You may schedule delivery for a holiday or future arrival date at checkout.
Click here to view our full shipping arrival table and further delivery details.
Additional Delicious Ideas...


text:
OCONOMOWOC, WI (WTAQ) - A player with Wisconsin ties has won "The Amazing Race" for the second time in a row.
Oconomowoc native Josh Kilmer-Purcell and his partner Brent Ridge won $1 million on CBS Sunday night for completing various tasks the fastest in a race around the world.
The previous "Amazing Race" was won by Madison couple Dave and Rachel Brown.
Kilmer-Purcell has written several books, including the best-seller "I Am Not Myself These Days." It's about his experiences in the advertising industry and his night job as a drag queen.
He and Ridge also star on "The Fabulous Beekman Boys" on The Cooking Channel.


text:
Daily Filter: August 16, 2011
Shacknews receives a slew of new screenshots and trailers for upcoming games everyday. The most anticipated titles receive their own post, because we know you're eager to see that content. For the rest, we have the Daily Filter, a place to feature all of the media we add to our enormous database on a daily basis.
Strap yourself in! It's Gamescom 2011; we have a ton of new videos and screenshots for you to enjoy. Be warned, you might be here for longer than usual.
Coming to you fresh from Gamescom 2011, today's filter includes two new gameplay trailers and screenshots for Street Fighter X Tekken, a demo trailer for Bodycount, a new trailer and screenshots for DmC: Devil May Cry, a trailer for The Secret World, 4-minute sneak peek of Tom Clancy's Ghost Recon: Future Soldier, a trailer for FIFA Soccer 12, new screenshots and a trailer for Need for Speed: The Run, a story teaser for Hard Reset, a new trailer and screenshots for Forza MotoSport 4, a multiplayer trailer for Driver: San Francisco, new trailers and screenshots for Halo: Combat Evolved Anniversary, new screenshots and a trailer for Resident Evil: Revelations, new screenshots and trailers for Aura's Wrath, a new trailer for King Arthur II: The Role-Playing Wargame, three new trailers and screenshots for Ultimate Marvel vs. Capcom 3, a new trailer for Dead Rising 2: Off the Record, a new trailer for Kinect Sports: Season Two, an upgrades trailer for Renegade Ops, a new trailer for Soul Calibur V, a new trailer for Journey, new trailer and screens for Ratchet & Clank: All 4 One, a teaser trailer for Warface, a new trailer and screenshots for LittleBigPlanet Vita, a new trailer and screenshots for UFC Undisputed 3, a new trailer and screenshots for WipEout 2048, a new trailer for Move Fitness, a new trailer for Medieval Moves: Deadmund's Quest, a new trailer and screens for Little Deviants, and new screenshots for Dragon's Dogma, Ugly Americans: Apocalysegeddon, Kinect: Disneyland Adventures, Escape Plan, Resistance Burning Skies, Resistance 3, Ruin, Kinect Star Wars, and Starhawk.
Street Fighter X Tekken
DmC: Devil May Cry
The Secret World
Tom Clancy's Ghost Recon: Future Soldier
FIFA Soccer 12
Need for Speed: The Run
Hard Reset
Forza MotoSport 4
Driver: San Francisco
Halo: Combat Evolved Anniversary
Resident Evil: Revelations
Asura's Wrath
King Arthur II: The Role-Playing Wargame
Ultimate Marvel vs. Capcom 3
Dead Rising 2: Off the Record
Kinect Sports: Season 2
Renegade Ops
Soul Calibur V
Ratchet & Clank: All 4 One
LittleBigPlanet Vita
UFC Undisputed 3
WipEout 2048
Move Fitness
Medieval Moves: Deadmund's Quest
Little Deviants
Dragon's Dogma
Ugly Americans: Apocalysegeddon
Kinect: Disneyland Adventures
Escape Plan
Resistance Burning Skies
Resistance 3
Kinect Star Wars
You must be logged in to post.


text:
Program Area Resources
Environmental Evaluation Forms and Contact Information
- Contact List
- Categorical Exclusion (MS Word)
- Short Environmental Assessment (MS Word)
National Policy and Resources
- Airport Air Quality
- Airport Noise (Part 150 and Part 161)
- Airport Sustainability
- Compatible Land Use
- Environmental Records of Decision
- Acquiring Land for Airports and Relocation Assistance
- Wildlife Hazard Mitigation
- Zero Emissions Airport Vehicles and Infrastructure Pilot
Interim Solar Guidance
The Notice below establishes interim FAA policy for proposals by sponsors of federally obligated airports to construct solar energy systems on airport property. The interim policy for FAA Review of Solar Energy System Projects on Federally Obligated Airports provides the standards for measuring ocular impact of a proposed solar energy system. It also provides direction for accessing a web-based tool for assessing ocular impact and explains the requirements for the airport sponsor to seek FAA approval to construct a solar energy system on an a federally obligated airport. We are currently reviewing comments received about the interim policy.
- Federal Register Notice: Interim Policy, FAA Review of Solar Energy System Projects on Federally Obligated Airports (78 FR 63276) (PDF)
Important Note about November 2010 Siting Guidance
The interim policy replaces the guidance for reflectivity found in Section 3.1.2 of the "Technical Guidance for Evaluating Selected Solar Technologies on Airports". Users of the Technical Guidance should now follow the processes and procedures outlined in the Interim Policy Document instead of those in Section 3.1.2. As of October 23, 2013, the FAA is reviewing multiple sections of the "Technical Guidance for Evaluating Selected Solar Technologies on Airports" based on new information and field experience, particularly with respect to compatibility and glare. All users of this guidance are hereby notified that significant content in this document may be subject to change, and the FAA cautions users against relying solely on this document at this time.
- Solar Guide: Technical Guidance for Evaluating Selected Solar Technologies on Airports [View Onscreen (PDF, 6.21 MB) | Print (PDF, 14.5 MB)]
Advisory Circulars (ACs)
Data, Tools, & Resources
- Airport Noise Compatibility Planning Data/Program Status (by State)
- Airport Noise Compatibility Planning Toolkit
- Airport Noise and Land Use Information (including Noise Exposure Maps)
Guidance & Policy
- Air Quality Handbook
- ARC: Acquisition, Relocation, Certification
An instructional application of real property acquisition and relocation assistance requirements for FAA-assisted airport projects
- Best Practices: ACC/FAA, 2008 (PDF, 1.21 MB)
- Best Practices: Environmental Impact Statement Management
- Environmental Policy and Guidance Resources
- Interim Guidance on Mineral Extraction and Request for Data Update (PDF, 1.77 MB) (added 10/10/2012)
Environmental Orders
- Environmental Due Diligence Audits (EDDA) in the Conduct of FAA Real Property Transactions (Order 1050.19)
- Environmental Impacts: Policies and Procedures (Order 1050.1)
- Land Acquisition and Relocation Assistance for Airport Projects (Order 5100.37)
- National Environmental Policy Act (NEPA) Implementing Instructions for Airport Projects (Order 5050.4)
- Prevention, Control and Abatement of Environmental Pollution at FAA Facilities (Order 1050.10)
- More >>


text:
Make it Bright! The Happiest Color Combos of 2013
Go subtle on the jewelry, or skip it altogether with color combinations this dazzling, your spring wardrobe won't even miss it.
By Audrey Slater
Back Next
Daymion Mardel
Cobalt + Khaki
This kind of vibrant blue looks amazing against any skin tone--and, it turns out, those khakis you've had sitting around forever.
Shirt, Old Navy, $29.50. Sweater, Banana Republic, $60. Bracelet, Sequin, $98. Bangle, Coldwater Creek, $39.95. Pants, L.L.Bean Signature, $79. Heels, Coach, $248.


text:
This discussion is mainly used for communication between Twilight Banners, Graphics and Tutorials admin. However, all members are welcome to comment and participate in discussions.
The Twilight Banners, Graphics and Tutorials active admin staff:
η ι κ κ ι (US and Canada ET) submit comments and questions concerning Member of the Month and Designer of the Month to Nikki
Claire limited availability (US and Canada ET)
Zanica limited availability (US and Canada ET)
AndraLee (Annie) (US and Canada ET)
RomanceIsMyFiction(Juliee) flexible availability (US and Canada PT) submit to additions to the Gallery and Banner Shop Directory to Juliee
Anna (inactive)
MadisonEmily (US and Canada ET)
(to learn more about current admin, visit Introduce Yourself)
Admin Alumni Association:
****What's happening now? ****
Issue 4: Admin pleaase read and confirm that you have read the TTS terms of service, guidelines and new site rules. After reading the rules, please comment here and note your suggestions for additional rules that will make the group run more smoothly. (After we have developed a proposed list of rules, they will be presented to members for a vote in a discussion.)
Admin confirming that have read TOS, site rules and guidelines: Anna; Annie; Sarahjojo9 (inactive); Claire; Madi; Nikki; Zanica; Juliee
Issue 5: Admin rights and responsibilities
How often do admin have a duty to look in on the group? Currently, there is no requirement that admin maintain a visible presence in the group. All admin are volunteers who have school and work and real life. Admin should try to keep each other informed regarding their general online availability. That information will be posted here.
What are the admin duties and how are they shared? Primarily, admin exist to help insure that the group is an open, inviting place for fans. At least one admin should welcome new members. Everyone should immediately report spam and malicious links using the 'Report an Issue' button. Admin should all be involved in the chore of making sure that all active pages are current, appealing and functioning. If admin choose to participate in contests, either as hosts or participants, they should do so in a fair and impartial manner.
How should admin document administrative activities, including the deletion of discussions or suspension of members. Mod Genn should be informed of significant administrative actions. Page updates be noted in the appropriate place.
How are admin selected? Members who want to hold an administrative position should post their interest here and contact Mod Genn, the group creator. Mod Genn, is the only person who can approve an admin. There are currently no administrative positions open.
Under what circumstances should an admin be removed? Admin are subject to following the rules as set forth by TTS. Any admin lose administrative privileges and can be suspended. Suspension, reinstatement and removal of an admin is a private matter between that admin and Mod Genn. Admin will be removed when they announce that they no longer want the responsibility. Admin who delete their TTS account automatically lose administrative privileges. Mod Genn will approve reinstatement of returning admin on a case by case basis.
Issue 6:
What kind of discussions (galleries, contests, etc) will members open? All discussions and pages must follow ToS, the site rules and guidelines. Members are not required to participate in any discussion, create discussions, vote or participate in other activities created by members and/or admin of TGBT. Members may form sub-groups or clubs as long as they do not disrupt the general group. Members may not be pressured into joining sub-groups nor can any member be excluded from sub-groups.
How many competitions or challenges can a member run at a time? Per the majority of voting members, a member can only host two comps or challenges at a time. This includes comps and challenges created in sub-groups.
What kind of support can people who host challenges, contests and competitions expect? Admin post links to contest and challenges where they are easily accessed by members and visitors. Links will be displayed for two weeks after the end of the contest. After that time, links will be available in the group archive, subject to the site rules.
How long will inactive discussions appear? The new rules say that anything that has been inactive for more than 3 weeks may be deleted.
Issue 7:
In keeping with new guidelines and site rules, how do we keep our group Twilight-themed? The group layout design and icons will be Twilight related. Encourage Twilight-themed contests.
Issue 8: Rate My Graphic
In the past, rating visual artists and art work has resulted in problems and complaints. Any member or artist can request review or critique from a fellow member. This is better done privately. People who post their work in discussions for the purpose of receiving a rating from any and everyone, do so at their own risk. The comments of raters who use such discussions to personally attack others, will be deleted.
Issue 9: Member Participation
All organized activities should allow and promote free and fair participation from all members. Artists can not be forced to participate in any activity. Activities that promote the idea that some artists are better than others, including attempts to segregate artists and regulate interaction between banner makers and writers, should not be encouraged.
Notable quotes to ponder:
Democracy is the worst form of government except all those other forms
that have been tried from time to time.
(now how about a Twilight-themed quote...lol)
Democracy is two wolves and a lamb voting on what to have for lunch.
Liberty is a well-armed lamb contesting the vote!
BTW: Some convo may be screen capped, deleted and reinserted as an attachment under the appropriate convo for purposes of continuity and clarity.
Views: 3108
Our creator already established that everyone can create their own discussions.* That includes contests, challenges and the like. The questions here are: 1) What is an 'official' group discussion or contest? Do we hold them? How do we decide what they will be? Should we already be asking members what contests, competitions and challenges that they would like?; 2) What can admin do to help promote member discussions (including galleries and contests); 3) Should we work out a general guideline for how contests are to be operated and then take it to the membership for a vote? and 4) Will we ask the membership to rescind the right of anyone to create a contest? Please bring other concerns and questions to the discussion.
*see the comment wall
Okay, First of all, I'm terribly sorry I'm so late jumping into this! I feel awful about that.I'm still trying to sort through a bunch of confusion. I've never admined anything before other than small things at least. I have results from a banner contest I posted in The Banner Group before it was deleted, Annie suggested I make a discussion to post the winners, Is that alright with all of you?
Also I really liked Anna's creativity jumble from Express Yourself, I had originally entered it, but, if youre planning on posting the same one, you can erase my entry if you want. But the creativity jumble was a TON of fun and a REALLY great idea! =D
I have read the TOS, the guidelines, and the site rules! =)
On issues numbers seven and six you mention contests and keeping things within the guidlines and for contests we could things such as colors, the Twilight books' covers all have Black, White, and Red on them, so we could do a contest where your graphic MUST be mainly in those colors, or you could something such as the apple, you MUST have an apple incorporated into your graphic. Or, I may be straying here, but we could do something like taking the actors and creating a banner around your favorite movie that they've been in.
These are just suggestions and my ramblings and such, I hope you like them? XD
Right now, nobody needs permission.... Genn said people could start discussions (look at the comment wall) ... we're all big girls (and a couple of guys). I think people should have whatever contests they want as long as it's fair and open. I prefer challenges and i think everyone who enters should win something. That's especially important for younger and/or less experienced artists. Eventually, the admin will collect their thoughts and present rules and guidelines for the group to the group. Maybe the group will decide to continue to allow anyone to create a comp or maybe they will say they only want admin creating contests.
In the meantime, Anna posted a discussion and maintains a directory for all kinds of things... including comps and challenges. She also has given a lot of thought to the kind of contests that should be offered. I hope she will share that here.
So I was thinking that perhaps we should begin to plan out some general competitions for the group to have. Anyone is free to create a competition within the group, but I was thinking the competitions to feature work on the front page, perhaps. Of course we can also randomly select work from galleries to put on there, too.
Some questions that come to mind for me are, how often will we hold an icon competition? Another thing I wonder is (because I assume we will be doing this), how often will we hold a group front header competition, and when will we start the first one, and what will it contain? Who will host it? I was thinking that we could have a welcome header, a gallery header (gallery links beneath it), and then a featured work header (featured work below that, obviously). Maybe even a header for the second page for the general group "featured" discussions.
Some other competitions I was thinking we could have could maybe be quote competitions, like take a quote from one of the twilight books/movies and let the member create their own feel on that quote with a graphic.
When it comes closer to the time of Breaking Dawn, perhaps we can have competitions themed to Breaking Dawn. Quote comp being a quote from that book, Creativity Jumble being a fan fic snippet for that competition, a new header(s) and icon competition, in theme of that. I feel maybe this can also help with trying to get it all to be "twilight themed".
And then maybe have competitions set for how well a member feels they are along within graphic making.Like, have a "beginner" competition, "medium" competition, and "expert" competition. Any member would be eligible to enter any one of the competitions, and they themselves can judge whether or not they feel they are strong enough or not to enter them. I hope that part makes sense. The member themself is the one who decides in which competition they feel they will enter their work. I'm just throwing this one out there, we don't have to do it if we don't want to, though.
I agree. Rating is fine for competitions.
And I think a breaking dawn comp is fine.
Not all admin created contests are automatically official group activities, of course. If we use, as someone suggested (sorry I'm getting ready for church so I can't look through the convo), Twilight-themed contests to satisfy TTS, should we get started making a schedule now? Are we going to ask the members to vote on how often official contests should be offered and shouldn't the next challenge be layout? There is a discussion in progress about what we want on the pages and it seems only a few people are taking part. Why don't we post the layout comp now and maybe a welcome bannerc challenge and ask the members to vote on how often they think we should change our 'look'.
Here's another question... how will voting be handled? Does 'win' = a majority of all voting members or the majority of members voting? Is it practical to use PollDaddy or another third party app to count votes... or will we post discussions to collect votes.
© 2014 Created by Hachette Book Group.
Report an Issue | Guidelines | Report an Issue | Terms of Service


text:
FloriDUH Headquarters invites you to take a stroll through FloriDUH's Ghosts of Christmases Past.
Destin: Man arrested for Christmas Day peep show
Ocala: Christmas comes absolutely early for panhandler
O Christmas Tree, O Christmas Tree, some pornaments for your branches?
Niceville: Christmas parade grinds to halt as allegedly drunk city worker threatens to beat parade driver
Apopka: Firefighter resigns after lighting co-worker on fire at Christmas party
Golden Gates Estate: Family feud brings down the Christmas tree
Fleming Island: Grinch toilet-papered Baby Jesus and Nativity Scene
Middleburg: Baby Jesus Stolen From Nativity Scenes
Pompano Beach: Here comes Santa Claus — riding with SWAT for holiday parade
Lakeland: Rudolph the holiday deer briefly escapes from a nativity scene
Sanford: School custodian stole Christmas presents from principal's office intended for needy kids, deputies say
Destin: Residents cry 'Bah humbug' after Candy Cane Lane sign removed
Orlando: Caroling Elvises create hunka-hunka holiday fun at bars