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Ask the Readers: Is credit monitoring worth the money?
Published on - January 25th, 2013 (by Ellen Cannon)
Reader Bryce wrote to us this week with this question for the readers: "What are your thoughts on companies like freecreditreport.com, where they charge $16.95/month to have access to your Experian credit report? Is checking your credit weekly/monthly worth the $16.95/month?"
First of all, you are legally entitled to one free credit report per year from each of the main credit reporting companies, Equifax, Experian and TransUnion. You can get them via the government's official site, annualcreditreport.com. If you get one every four months, you are effectively monitoring your own report for free.
In most cases, you will have to pay for your credit score. It costs around $12.95. There are several instances when you can get a free credit score, thanks to the Dodd-Frank Act (on page 13 of this PDF). These cases are due to "adverse actions":
- When you've been denied credit
- When you've been denied insurance
- When you're required to pay a higher deposit (such as for a utility company)
- When you have to pay a higher interest rate
- When you're required to have a co-signer on a loan
If one of these actions happens to you when you apply for credit or insurance, the lender is required to tell you what credit score they were using.
Everyone should check their credit report regularly. It's a good way to monitor for identity theft and to be sure there is no erroneous information on your report that could impact your credit score. If you do find false information, you can dispute it online with the credit bureau. Whichever credit bureau you file your dispute with must share that information with the other two.
As for paying a monthly fee to monitor your credit report, I'm in the camp that says it's not worth your money. However, some personal finance experts believe there are benefits to paying. Lynnette Khalfani-Cox, "The Money Coach," who writes about credit for AARP.org, is a proponent of credit monitoring. Here are her reasons: Credit monitoring is a credit education tool, it can save you money by helping you raise your credit score, and it can help prevent identity theft or at least alert you to a problem early.
Certainly if you know you're going to be applying for a mortgage in the coming year, you should be monitoring your credit in order to boost that score so you get the best mortgage rate.
Back to Bryce's original question about freecreditreport.com and other similar outfits: Several years ago, the Federal Trade Commission cracked down on these organizations after consumers complained about being enrolled in a membership program that wasn't clearly disclosed. If you look at the freecreditreport.com website now, you'll see at the top of the page disclosure that explains exactly what you're signing up for.
When you order your $3.99 Credit Report and Score here, you will begin your 7-day trial membership in freecreditreport.com. If you don't cancel your membership within the 7-day trial period*, you will be billed $19.99 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Other online services, such as CreditSesame.com and CreditKarma.com, are free. CreditSesame.com monitors your credit information from Experian; CreditKarma.com uses TransUnion data. They use this data to create an estimate of your credit score. The scores they provide are not FICO scores, but users say they're pretty close to the FICO three-digit number.
So, readers, what do you think of these credit monitoring programs? Are they worth the money? Can you get the same result using a free service? For those who refuse to use loans, are you at all concerned about maintaining a good credit score? Tell us your experience with credit monitoring programs and help Bryce make his decision.
This article is about Ask the Readers, Credit scores
Ha! Ask me in a few months when I figure out what the heck is going on with someone filing for unemployment in my name (NOT ME!). Just happened yesterday.
Unrelatedly (I believe), I started using creditsesame.com's free credit report monitoring system a few weeks ago. It hasn't shown any fraud, and there is nothing of note on any of my credit reports, which I checked personally after I found out about the unemployment scam.
Credit monitoring companies seem like a scam but what about companies like Life Lock? They seem more legit but are they worth the cost? Anyone have any thoughts?
Definitely not worth it. You can call the credit reporting agencies yourself and get your credit locked down for free (or very cheap).
I did this when my purse was stolen. It was free when I submitted a police report to them. I got a very long pin code that I needed to use to unlock my report, if I was applying for credit myself.
I think it's like any other purchase. Whether or not any purchase is "worth it" depends how much you get out of it.
For me, I negotiate a lower annual rate for one of these credit monitoring services and I use it every month. I like that it notifies me whenever anyone pulls my credit report or anyone opens an account up under my name. I like that I can carefully examine what's in my credit report and check for inconsistencies. I've had to contact the credit bureaus on at least two occasions because accounts that were paid off were still listed as "open." For example, if you have loans that are transferred to a new entity, sometimes the loan is counted twice instead of once.
So I guess I feel like I get my money's worth, but I can see both sides of the coin (pros and cons)
I check my credit report using the free resources, I probably do so once or twice a year or if something is going on (like our refi last year). I did buy my FICO score before our refi last year.
I think credit monitoring might be worth if you've had problems in the past, you've cleaned them up and you want to avoid future problems.
Otherwise, my plan for credit monitoring is to shred all financial docs, I bring them to work because we have a shred service so that is easy. Limit distribution of my SS number, I had a new doctor office tell me they wouldn't treat me if I didn't give them my SS number so I decided not to use that doctor (SS numbers theft and reselling is big in doctor's offices and there is no reason they need your number).
And while I pay almost all my bills on line I receive all my bills in paper format and I review them and I question odd charges. I recently called my city because I had some weird small charge on my debit card statement and I couldn't figure it out, doesn't matter if its small or not (scammers often try to put through small charges first) and it turned out it was parking at the beach.
Even if you don't plan to get a loan any time soon, credit scores can impact insurance costs and other non loan costs so its still important to keep an eye on it.
I do CreditKarma for free and check my FICO estimate about once a month. I also check my credit report every four months. I recently enrolled in some identity theft protection through Dave Ramsey's website. It's $12.90 per month for my whole family and promises to do all the dirty work for you if someone steals your identity. As a former military member, I'm sure my SSN is all over the place. It is on my retiree ID. The government is trying to fix this, though. The next time I get a new ID, my SSN will no longer be on it. The only downside of this is that my ID is good until I turn 65, and I'm just about to turn 48. I can get a new one when my wife's expires in 2014, so I will have to live with it until then.
I use the MyFico service and I think it is worth it. It is, I think, about $ 40 per year. The reporting is superior to the free services (Credit Karma and the other free one – the one that really is free)
I would argue against. The reports you get from Experian, at least the ones I was getting, aren't actual FICO scores. See, I thought I was in the high 600′s but what they were reporting was actually just an estimate because I had a thin file (just started building my credit less than 6 months ago). So when I went in to buy a car, thinking I was good to go based on the numbers I was getting direct from Experian, I ended up getting denied because of the thin file. Plus, there's no way to cancel your subscription online. You HAVE to call.
I have periodically used credit monitoring systems, but not perpetually. I found them useful after my wallet got stolen – to ensure no new accounts were opened in my name. I also found them useful going through a divorce. Disentangling finances is a challenge and this allowed me to see what i's I did not dot. Unless you are currently at risk, I don't know that they are truly a wise investment.
I have been given my credit score every time I've been approved for a loan (most recently, when I refinanced my mortgage). I use Credit Karma to check my score regularly, and my actual score is always quite a bit higher than my Credit Karma estimated score (by 50-70 points, IIRC). I do feel that Credit Karma is sufficient for routinely monitoring my credit. It knows my loan balances and tells me if there have been any hard inquiries on my credit or late payments reported. I would never pay for one of these credit monitoring services.
I used to monitor my credit report all the time. By signing in and requesting a free one from each of the agencies every 4 months (put reminders in your google calendar it's fantastic).
Then I would get curious and pay the 10 dollars or so for the number. Costing me around 30 dollars a year to monitor.
Then I realized if I sign up for my bank plan, which is 3.99 a month, they send me my credit score every month on the first and it costs me about $50 a year. All I have to do is log on. It's there. No crazy information to fill out, no reporting.
Then I can still log in and get the report if I want to directly through the agency, but I don't have to every 4 months if everything appears to be in good standing.
I would still recommend monitoring it to some degree. If you are ever going to want to purchase a car or a house it is important to have decent credit to say the least. And if you're a good consumer and good with your money you deserve to have a good score and report free of mistakes.
I used to pay for this, but not lately. When I was younger, my identity was stolen. Someone bought a house in my name when I was only 13! After I found out about that (years later), I was super careful about everything and checked my credit report like a hawk.
Read my post about how someone stole my identity! http://www.makingsenseofcents.com/2012/11/identitytheft.html
Michelle –
I feel your pain. I watch my credit like a hawk, especially now that I have fallen victim to ID theft.
I learned a painful lesson when someone filed a federal and state return, using my social security number, in 2012. As a homeowner, I sought help from my homeowner's insurance.
I am unlucky and lucky at the same time. Since March, I have worked with a company called IDT911, to combat every fraudulent use of my SSN (at least 20 instances in 2012). To date, I have lost less than $15 to identity thieves. I will not allow them to win anything.
My lesson to everyone is based in something J.D. Roth said a few years ago: "No one cares as much about your money as you do." Monitor your reports for free until trouble strikes. Then, enlist the pros to help you fight off the thieves. Care about your credit — it's a HUGE deal.
I use Credit Karma for free. I think it is great. It actually gives you a lot of information, including all open accounts. It also tells you where your problems are, calculates utilization, etc. The score they give was actually been very close to the one the bank told me when I recently refied.
Total waste and a scam. Most states have the option to freeze your credit and unfreeze it for free or very cheap fees compared to monitoring services (usually free for seniors). My state (North Carolina) does it for free for all 3 credit reporting agencies so we simply keep a freeze in place until we need something (recently thawed it for a month to get a Sam's Club card and get preapproved for a new mortgage). If your credit is frozen, even if someone has your info they can't do anything with it.
Thats true in Ohio as well.
thank you so much for mentioning this. I live in NC as well, but I had never heard of credit freezing. I looked it up after reading your comment and I am very excited about it. They should have public service announcements!
I do use FreeCreditReport.com for the reason the article mentioned, my plans of purchasing a home in the next 6 months. Because I'm a financial novice, monitoring my credit monthly has educated me on some of the mistakes I've made in bill paying, inquiries and other actions that have negatively impacted my credit score. I've also learned how to boost my credit score which has increased 100 points in less than a year. Like most of you, I was annoyed at the cost so I attempted to cancel the subscription. At doing so, they reduced my monthly payment to about $8 and I get all 3 reports free every 3 months. I considered the free services but was concerned about re-entering all of my personal information on yet another site so I stuck with the one I have. After I purchase the home, I do plan to scale back on checking my report but for now, it's paying off.
Thanks for the reminder that it's time to check my credit report. I aim for a check every 4 months (I'm behind).
I'm also interested in exploring a credit freeze (see http://en.wikipedia.org/wiki/Credit_freeze for explanation). I'm not sure if I have to unfreeze it every time I want to check it (probably – I'm guessing it varies by state law) but it'd still be worth it to me. Credit freezes are best if you're not anticipating shopping for a mortgage or loan. I'm interested in hearing from anyone who's done a credit freeze and what their experience was.
I froze my credit more than a year ago. Very easy to do, mostly online. You do have to freeze separately with each of the three credit reporting agencies, and I think I paid about $10 each for the freezes.
You CAN view your own credit report without unfreezing. So can current creditors. But they can't make changes – I phoned Chase to get my credit limit raised on a current card, and they couldn't approve the increase unless I unfroze my credit (I didn't).
You might have to unfreeze for job- or rental-related background checks or purchasing insurance, as well as taking out new loans or lines of credit (including store credit cards or financing). I haven't changed jobs, loans or anything else since freezing, and renewing my auto insurance didn't require unfreezing.
I'm retired and my life is pretty stable – I don't plan to take out any loans or new credit cards in the next few years, so my wife and I froze our credt with all 3 agencies. Here in Michigan I think it cost $10 per agency. If you have had identity theft problems or live in some states, it's free. Freezing gives us 99.9% assurance against identity theft. We can always temporarily in-freeze if we need to get new credit (existing accounts are not affected). Cheap peace of mind!
I don't think its a scam necessarily, because they are monitoring your report for you if thats what you want. But its not very frugal, definitely.
I have used CreditKarma.com in the past. It's free and works great for keeping an eye on things. However, I'm not a big fan of the use of credit in general. At this point, I plan to just put a freeze on my credit file, and never borrow money again. Living debt free (except a a mortgage which is getting paid aggressively) is awesome!
I think you pretty much answered the question in the second or third paragraph. Everyone is entitled to a free credit report from each of the three bureaus once a year. If you plan it out correctly, you can acquire one every four months for free, stay up to date with your credit report and not have to pay money for a program like that.
I also do the free checks. Mostly because I'm trying to get rid of all my loans anyway so I'm not "needing" perfect credit right now. I just want to check every now and then to make sure something totally whacky is not happening.
I get one of my reports (from the 3 agencies) every 4 months just to keep an eye on things (esp when the X has messed up something with a late payment for something still in both of our names – ugh). I also like Credit Sesame (FREE). It sends my credit score (just learned it's an estimate, but good enough for me since you say it's close) weekly or so. My score goes up and down a few points for reasons I don't understand, but it's still excellent so I'm happy.
No way would I pay for what I could find out for free. Sure, it may not be an immediate notification, but you still have rights. I signed up for a free service after my employer accidentally sent out our social security numbers (employer paid) and I don't see the value. Like someone else said above, it's just another drain on your checking account. Be prudent, not paranoid.
I would never pay a monthly fee to monitor my credit report, but I do make a point of requesting my report from both Equifax and Trans Union once a year (for free). The free reports show all open accounts and my credit history… but every few years I'll pay the $10 fee to get my actual numerical credit score. I like to know where I stand =)
Not worth it during periods of status quo. In times of simple maintenance of finances, CreditKarma, CreditSesame, and Quizzle, plus your three free full annual reports (one from each bureau) is plenty to monitor for any changes, just make sure you turn on the email alerts. I do all this, plus I do MyFICO $5/mo daily monitoring and quarterly FICO score update.
During times of risk, such as preparing credit for applying for a new loan, divorce, or if free monitoring indicates potential identity theft or fraud – then full-on monitoring is worth it. When all is back to status quo, then, drop that expense. It has value, and it is, unfortunately, an exchange of money for something you do not have access to.
Lifelock and their competitors are a convienience-fee business. You can do everything they do yourself for free, and their insurance is so tightly actualized that most identity theft successes while locked are not covered. The insurance is virtually worthless, so its all about convenience.
This is a topic I've often wondered about. As it would just seem more cost effective to just pay the one time fee for every additional time you needed to check your score rather than being tricked into a $20 per month fee.
My wife got a year of free credit monitoring because someone hacked into a data base and stole her (and lots of other people's) personal information. Last week someone fraudulently tried to charge on one of our credit cards. Fortunately, the bank caught it, notified us and cancelled the card. A few days later the credit monitoring people sent her a letter telling her there have been no problems with her credit. Hummm……
My credit union does a score check every quarter and it is available in online banking. I believe they pull Transunion. Maybe you can also get your scores for free by depositing money to open a savings account?
I don't think it is worth it to pay that much for a company to monitor it. You can get 3 free ones a year, so get them every 4 months. If you have been having issues with identity theft, or if you have a common name (i.e. John Smith), then it might make a little more sense for you to have it.
I don't think the monthly credit reporting is the main appeal to these monitoring services. Having someone keep an eye on your credit and notify you if there is any suspicious activity on your credit cards, social security number, etc. is what makes these services stand out. Even CreditKarma.com has a free monitoring service, so you don't really even have to pay for one. Some of the others are more comprehensive than the CreditKarma service. Hope it's ok to paste a link here, but we did a comparison of the best credit monitoring services for 2013. http://www.creditflare.com/top-10/top-10-credit-monitoring-services. It might help some people who want to see a feature and price comparison.
I think that if you are monitoring your credit in hopes of preventing identity theft then you need to consider what you are actually paying for. Yes, most identity protection products will monitor credit for you. Can you do it for free? Certainly, as that as been previously stated. I pay a monthly fee for the piece of mind that in the event of an identity theft issue, I will have a third party step in and resolve it for me. It is far too time consuming to deal with issues like that on your own and for this I would rather pay 12 dollars a month and be covered. I don't view it as paying for a service to monitor my credit score, just to help in the event that I need it.
I think they are great when you are doing credit repair to boost your score for an upcoming loan or credit card application. Once you are done, you can freeze your credit and unfreeze when you want to get your free quarterly report.
I'm going to buy a home about a year from now, and I know most of what I have to do to boost my score, but without at least monthly credit report updates, I won't know if my report is update the way it should, or if I need to call the institutions for find out why the didn't update my account standing say, after receiving, a payment in full.
According to these things most credit monitoring agencies advertise that they provide regular credit check to notify you of changes in your credit report. These include creation of new accounts, changes in address related to your credit report, and huge purchases. Thanks for nice post.
Credit score monitoring is something that I've come to really appreciate. It has helped me deflect several attempts to hijack my credit and I am sure that without the additional layer of protection, I would be in a world of financial hurt. The one question I would ask anybody is, "why wouldn't you monitor your credit!?" This is where my help is http://scoredriven.com/


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Make every day your lucky day.
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These reviews are bizarre. I would not recommend going down two sizes. I now have to waste money sending them back for a different size. No thanks to the other ladies that posted these reviews. Pants look great though.
Burton Lucky Pant
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The Lucky pant is so nice and fashionable. I'm 5'4 116lbs and the small is big in my waist. I have to tighten the Velcro and there is a one inch gap on both sides so I'm probably going to return them for an xxs.
i'm 5'2 105lbs and my waist measurement...
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i'm 5'2 105lbs and my waist measurement is 27 but my hip measurement is 32. according to the size chart my waist measurement says to get a M but the hip measurement says to get an XXS.... what on earth? what size am i in burton pants?!
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I would recommend the xs. I am 5'2 125lbs with 38" hips and 25" waist. and my women's burton pants fit perfectly in a Small.
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These bullets feature Hornady's AMP bullet jacket technology. Paired with a precision swaged lead core, these bullets feature a technologically advanced jacket that produce exceptional accuracy. This is not loaded ammunition.
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Music Monday: Soundtrack From SoulCycle's Britney Spears Ride!
Written on August 15, 2011 at 1:06 pm , by Jenna Autuori
If you grew up in the '90s (or even just lived through them!), then I bet you're just as in love with Ms. Britney's tunes as we are. Every song she belts out is like an ode to working out hard and sweating it all out. That's why when my favorite studio hosted a Britney Spears-only class, I was first in line to saddle up on that bike.
Here's the awesome playlist from SoulCycle instructor Clare Walsh, who's also an actor and singer in New York City. The fast-paced beats and fun hooks kept us pedaling through the intense class!
- "I'm Not a Girl, Not Yet a Woman," Britney
- "Lucky," Oops!…I Did It Again
- "Oops!…I Did It Again," Oops!…I Did It Again
- "Stronger," Oops!…I Did It Again
- "I Wanna Go," Femme Fatale
- "Toxic," In the Zone
- "(You Drive Me) Crazy [The Stop Remix!]," …Baby One More Time
- "Freakshow," Blackout
- "Outrageous," In the Zone
- "Everytime," In the Zone
- "Circus," Circus
- "Till the World Ends," Femme Fatale
Now tell us: If you could pick one artist's music to help power you through a workout, which would it be?
Categories: Fitness, The Fit Stop, Workouts | Tags: Britney Spears, Music, SoulCycle, workout playlist
6 Comments
Pingback: Music Monday: Sweating It Out a la Madonna | The Fit Stop


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The Lighthouse Blog
Helen "Arlene" Pfeil
Published on Thu, Jul 29, 2010
Read More
Helen "Arlene" Pfeil of Blaine, WA passed away July 24, 2010 with her family by her side. She is survived by husband of 60 years, Robert "Bob" Pfeil, son Robert "Robb" Pfeil, daughter-in-law Kelly Pfeil and granddaughters Kaitlyn Pfeil and Lauren Pfeil, all of Blaine.
Arlene was born in Alamosa, Colorado to Arthur and Elizabeth Andrus on Jan. 17, 1931. Arlene moved to Blaine in 2006 to be close to her son and granddaughters. She enjoyed being involved with all of the activities of her granddaughters and could be found on the sidelines of every activity from sailing to gymnastics, horseback riding, unicycling, and school functions.
Arlene will be remembered for the tremendous love she had for her family, her love of dogs, her friendliness, and her positive attitude. She enjoyed traveling, puzzles, and playing games with her family.
In lieu of flowers, the family suggests making a donation to a local animal rescue organization including S.P.O.T. which is where they rescued their dog, Precious.


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Chris' 1913 Character
Small Cool Contest
Like this entry? Favorite it below!
- Name:
- Chris
- Location:
- Los Angeles, CA
- Square Feet:
- 354
- Division:
- Teeny-Tiny
- What I Love About My Small Home:
- I really enjoy the character this place has. It was built in 1913 (101 years old), so it has all sort of unique odds and ends. I also enjoy that it's its own small house, with no shared walls, and the yard is perfect for my 2 dogs.
- Three of My Best Tips and Tricks for Creating a Successful Small Space:
- 1. Less is more, so start with everything you like and then slowly remove stuff until it feels right. You'll be surprised by how little you need to make a room feel full.
2. Don't be afraid to re-arrange. When you first move in, most stuff gets placed were it's convenient. After you've settled in, re-assess your floor plan to maximize space and flow.
3. Find a color you love and stick to that. I chose red and slowly added analogous colors: oranges and yellows, with very sparse complementary colors like teal or blue.
More posts in this series
Small Cool 2014
16 Comments
if this apartment doesnt win i will lose what little faith i have left in humanity
Please don't Shayda! It's all good!
This is seriously a great place. I see one dog; where's the other? Well getting back to the apartment, it's simply wonderful!
Not exactly sure why I need to see a picture of a mirror. Would rather see the bedroom or bathroom.
PLEASE stop with the vignettes... They have ruined this contest! Aaaaaaaargh ,
I want to see the exterior. What an adorable home!
You have a nice home and I appreciate that you've used "its" and "it's" correctly :)
Its a great little space,and the light cant be beat,but Oh My,that kitchen. Even if its a rental,Id paint and regrout.Id have to !
This is so stylish. I love your little round kitchen table.
I love your advice with the colours! Great idea. And you've done this up so well.
I need more info on that kitchen table. Is it a DIY? Did you get it somewhere? Did you add the wheels? Please let us know.
It is DIY, the top is a 36" plywood round from Osh that I sanded and rubbed with coconut oil. The legs are the Krille legs from Ikea, they come with the wheels already attached!
Oh, my that bed by the huge windows! So airy and dreamy!
I have to agree with cara100. If there is a rule that only 5 photos can be posted (or whatever the allotted number is) please do not post vignettes. I would have much rather to see the bedroom, the yard as well as the second dog.
Nice place, Chris.
I love that it's a house!!!!
This house is so cool!! I would love to see this win.


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Empowering women to participate in full and productive employment is essential to expand economic growth, promote social development and enhance business performance. However, the positive impacts of women-focused employment practices on firms, communities and the economy are often under appreciated. To achieve sustainable development and unlock future growth, WINvest and the Women's Empowerment Principles (WEPs) call on business to invest in better employment opportunities for women. Learn more here.
Women's Empowerment Principle 5 encourages companies to expand their business relationship with women-owned enterprises. Supply chains offer a unique opportunity and means for companies to promote human rights and have a positive impact on economic development by offering economically disadvantage groups an equal opportunity to compete for business. The Women's Empowerment Principles call for companies to make inclusive sourcing a key pillar in their business strategy. Learn more here.
Join women business owners and representatives of corporations, governments and trade support institutions at WVEF 2014 on 16-17 September 2014 in Kigali, Rwanda. This global event provides buyers and sellers in select sectors the opportunity to explore business partnerships, build skills and engage with dynamic public and private sector leaders from around the world. This year's event will focus on the coffee and services sector. More information.
The WVEF provides a key opportunity to implement WEPs Principle 5, which calls on business to expand business relationships with women-owned enterprises. As a business committed to inclusive sourcing this is a prime opportunity to expand your procurement opportunities and implement Principle 5 of the WEPs.
To apply to participate please complete the Buyers Profile Form.
Hosted annually by the International Trade Centre, the Global Platform for Action on Sourcing from Women Vendors seeks to increase the share of corporate, government and institutional contracts awarded to women-owned businesses. Launched in 2010, the Global Platform has a 10-year strategy to link buyers, sellers and institutions to build an ongoing capacity of suppliers to meet buyers' requirements for the ultimate purpose of facilitating sales.
For Criteria and Background Information, please visit the ITC's Global Platform for Action on Sourcing from Women Vendors website.
We also invite you to nominate businesswomen in your networks by completing the Women Vendor Application Form.
For additional information please contact [email protected]
This multi-stakeholder consultation, co-convened by UNICEF and UN Women and sponsored by the Governments of Denmark and Ghana, is an open and inclusive coversation for represenatives of civil society, academia, governments, business and the UN to discuss what the Post-2015 development agenda should look like. The Women's Empowerment Principles community is encouraged to contribute to this important dialogue and help highlight the important role of the private sector in advancing women's empowerment and achieving gender equality. Learn more here.
The Women's Empowerment Principles call on companies to assure sufficient participation of women - 30 percent or greater - in decision-making and governance at all levels and across all business areas. Learn more. For a list of related organizations and registers, click here.
Sharing good practices is a key to the WEPs growth. Help us spread your good practices: what steps has your business taken to advance and empower women in the workplace, marketplace and/or community? The UN Women/UN Global Compact WEPs team invites companies to share concrete examples of efforts to empower women and advance the goals of the WEPs. Please send a 150-250 word description to the WEPs team at [email protected]. Examples submitted will be added to the Business Practice section.
Follow the Women's Empowerment Principles on Twitter and Facebook.


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MOUNT WASHINGTON, Ky. -- Authorities in Bullitt County have arrested a man who police said went grocery shopping and cooked dinner inside a supermarket that was closed.
The manager of a ValuMarket said he found 57 empty whipped cream cans in the garbage when he arrived Monday morning.
Trevor Runyon, 30, is facing charges after he was found in the ceiling of the store.
Police said video from the store showed Runyon cooked and ate six steaks, washed them down with beer and then topped off his meal with shrimp and birthday cake.
Police said Runyon slipped into the store and hid while employees closed it for the night.
Runyon is charged with burglary and disorderly conduct.


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42 U.S. Code § 4594 - Contract authority in appropriation Acts
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The authority of the Secretary to enter into contracts under this chapter shall be effective for any fiscal year only to such extent or in such amounts as are provided in advance by appropriation Acts.
Source(Pub. L. 91–616, title VI, § 604, as added Pub. L. 96–180, § 17,Jan. 2, 1980, 93 Stat. 1306.)
References in Text
This chapter, referred to in text, was in the original "this Act", meaning Pub. L. 91–616, Dec. 31, 1970, 84 Stat. 1848, known as the Comprehensive Alcohol Abuse and Alcoholism Prevention, Treatment, and Rehabilitation Act of 1970. For complete classification of this Act to the Code, see Short Title note set out under section 4541 of this title and Tables.
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.
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LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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Gluck, Christoph Orfeo ed Euridice DVD (1982)
Director Sir Peter Hall, conductor Raymond Leppard, special appearance Janet Baker
Price: £25.00
Director Sir Peter Hall
Cast Elisabeth Speiser, Elizabeth Gale. Special appearance from Janet Baker. The Glyndebourne Chorus.
Conductor Raymond Leppard, the London Philharmonic Orchestra.
Dame Janet Baker chose to retire from the operatic stage at Glyndebourne, where she began her career, singing the title role of Orfeo, the grieving musician who follows his beloved wife to Hades in an attempt to bring her back from the dead.
"...One of her finest and most moving portrayals"
- TV times.
Running time 124 minutes
Subtitles Deutsch, Français, English, Español.
Format NTSC, regions 2,3,4,5,6


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Idiot's GuidePosted by Tom Myron in Uncategorized
As a bona fide artiste, which is to say, one who communes daily with dark, nebulous forces well beyond the ken of the average mortal, there are two questions that, above all others, most oft come my way:
1. What kind of money do you make a.) composing and/or b.) orchestrating and,
2. How do you get the orchestral accompaniments of your- a.) concertos and/or b.) orchestrations for singers of virtually every stripe, to support and balance with your soloist(s) so effing well?
Question 1. (in all its guises) has been getting asked for years (decades, really.) The interesting thing these days is that who's doing the asking has changed. Originally the sole province of earnest, concerned (and in many cases now deceased) relatives, this question's cause has of late been taken up- with a probing urgency that even my late grandmother might have found just a tad forward- by theatrical producers, band managers & concert presenters.
In any remotely reasonable case the only sensible answer to 1a. is (as anyone reading this already knows perfectly well) another question: "How much you got?" The answer(s) to 1b., on the other hand, are extremely concrete and can be found here. In order to get the clearest possible picture of how these figures relate to me personally, please remember to multiply all your results by the number "2″.
I owe a continuing and genuine debt of gratitude to the American Music Center and NewMusicBox for keeping the answer(s) to 2a. available for all and sundry to feast their muses thereupon. Even the audio samples still work! I think I'll reinstate my membership after all.
As regards 2b., my work combining singers and bands with a full orchestral compliment has been aided immeasurably by regular, intensive (and intensely enjoyable) close listening to the widest possible range of "Period Music". When setting sail on the vast, churning ocean of said music, I am often struck by how infrequently the Siren Song of the vocal line will be doubled by whatever large and colorful instrumental force is being employed on its behalf. Careful study has led me to conclude that this is an essential difference between pop (read: recording studio) and operatic (read: live/narrative/theatrical) orchestral accompaniments. Ceaseless contemplation of this very issue caused the following passage from Robert Russell Bennett's feast of geekiness, Instrumentally Speaking to leap off the page at me:
"An example of a change that refuses to take a long lease is the elimination of the melody in the orchestra as it accompanies the voice. In all other branches of theater- films, television, recordings, radio- it is impossible to synchronize two or more human beings, always many yards apart, on the same tune. In the musical theater it is another story. First of all, you are dealing with the very first hearing of a tune. Everybody in the whole theater wants to hear it, especially the writers who conceived and developed it. Secondly, you are not competing dynamically with the voice on the stage but are truly accompanying, so that the girl or boy on the stage is a part- the most important part- of the ensemble and the ensemble nearly always profits by the art of doubling melodic lines with color."
Since a lot of artists in the venues that I work travel with charts originating in (or transcribed from) recording sessions, the situation strikes me as a fascinating case of an archaic recording studio custom making its way into the concert hall (which is itself more like a theater or opera house in the idioms that I work in) as a sort of "standard practice" when new material is needed. So, with R.R.B.'s observations in mind, I also spend a great deal of time (quality & quantity) with scores & CDs of operas, where wildly inventive, colorful and lyric-driven doublings of vocal lines abound. For me the operas of Puccini, Britten and Strauss are equal parts instructive and enjoyable in this regard.


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Don't fret! Check out these suggested similar and related items below. Happy shopping!
Badger Limited Edition Classic Lip Balm Holiday Gift Pack - 3 x 0.15 oz. (4.2g)
Try it. Use it. Never lose it! Badger Limited Edition Classic Lip Balm Holiday Gift Pack includes three flavors: Chai Rose, Peppermint, and Cinnamon Bay. The lip balm sticks in Badger Limited Edition Classic Lip Balm Holiday Gift Pack contain organic extra virgin olive oil and beeswax, as well as organic aloe, seabuckthorn and rosehip extracts. These ingredients make the Badger Limited Edition Classic Lip Balm Holiday Gift Pack excellent for facing the elements. They have a light texture, and come in unique, limited edition flavors made from the real stuff - steamed-distilled essential oils, no artificial colors, flavors or sweeteners. Badger Limited Edition Classic Lip Balm Holiday Gift Pack contains a bounty of antioxidants in three smooth and glossy lip balms.
Is Aromatic Chest Rub a decongestant?Their Aromatic Chest Rub can act as a natural decongestant, especially when you use it in a steam. Just put 1/4 teaspoon of balm in a basin of hot water, make a tent over the basin with a towel and inhale the steam deeply. The Eucalyptus, Menthol Crystals, and other essential oils will help to clear your stuffy nose so that you can breathe easier. You can also apply Aromatic Chest Rub directly to your sore, chapped nose and not only will it help to clear your stuffy head, it will soothe your poor skin.
What is the shelf life of an unopened tin of Badger?An unopened tin of Badger stored at moderate temperatures should be good for three years. If you open it and it smells good, it is good. Since most of their products are made with a base of olive oil and beeswax, both natural preservatives, even a balm that doesn't smell as good is still safe to use, just not as pleasant! They do not use chemical stabilizers or any other nasty stuff, so extremes in temperature (such as freezing, thawing, and humidity) can affect shelf life by changing the consistency and lessening the scent of the balm.
How can I find the expiration date on my product?All of their tins are imprinted with a "Best By" date on the outside of the lid, which is three years from manufacture. Their lip balms have both a date of manufacture and a "BB" (best by) date stamped on the bottom of the stick, which is two years after manufacture. Their oils have a "Best By" date sticker on the product boxes as well as on the bottom of the glass bottle, which is two years from the manufacture date. Their sunscreens have an "EXP" (expiration date) imprinted on the top of the tube within the crimped seal, which is two years from the manufacture date.
How long will an opened tin last?As soon as you open a tin of any product and use it, the life span varies. Since Badger does not use any chemical stabilizers, factors such as storage temperature and humidity, as well as how clean the fingers are that scoop out the product impact an open tin's life span. Essential oils will slowly but surely evaporate from an open tin; that's the pleasant fragrance you smell when you open one. You can expect your opened balm to stay good for 12 months, however if it looks good and smells good, it is still good!
How can I make sure my Badger stays fresh?Keep it covered when not in use. Keep your product out of direct sun when possible, and avoid repeated freezing and thawing. Refrigeration is not necessary, but it will certainly prolong the life of the product.
Why does the balm in my tin of Badger look different than the last time I bought it?Badger uses only minimally-processed natural ingredients, and because of this, variation in color from one batch to another is common. Normal variance in sunshine, rain, or temperature from year to year or country harvested can all subtly affect natural ingredients. One season's pressing of Organic Extra Virgin Olive Oil may be greener in color than others, or you may experience a stronger or subtler scent with an essential oil. These are all normal and to be expected with natural ingredients.
What happens if one of my Badger products freezes or melts? Can I still use it?Absolutely. However, you may find that the consistency will change a little. Sometimes the product becomes much softer and creamier if it freezes and then thaws, but it is still absolutely fine to use.
Can I use Badger products on my face?Badger products are so natural that they are safe to use anywhere on your body. Of course, they don't recommend using their Muscle & Joint Rubs on your face, so please use your own discretion and common sense. Their Damascus Rose Beauty Balm, Damascus Rose Face Oil, Damascus Rose SPF 16 Face Sunscreen Lotion, and SPF 16 Sunscreen Lotion were formulated for use on the face, and they receive a lot of feedback from Badgers all over the world who say it that these products softens and smooth their skin like none other. Damascus Rose SPF 16 Face Sunscreen Lotion and SPF 16 Sunscreen Lotion have been tested & approved Non-Comedogenic (won't clog pores).
I'm pregnant and/or nursing, are your products safe for me?Pregnant or nursing moms should always check with their doctors. Badger uses only the highest quality natural and USDA Certified Organic ingredients. No chemicals or chemical derivatives are used, and the essential oils used are in low percentages, therefore moderate use should be safe for all. As with all new products, it is best to do a skin patch test to test for possible allergic reactions.
Can I use your products on my children/baby?Absolutely! They have received feedback from moms, dads and grandparents that Badger Balm and Baby Balm are safe and effective when used on even the littlest Badger's skin irritations, cradle cap and diaper rash. Many people also use their Anti-Bug Repellents, Sleep Balm, Bali Balm, and Night-Night Balm as natural alternatives for their children. As with all new products it is best to do a skin patch test prior to full usage to test for any skin allergies, and if you have any questions please check with your doctor.
I have allergies to Gluten, are Badger Products safe for me?Badger does not use any gluten or gluten-derived ingredients at their facility in New Hampshire, so their balms, oils, Anti-Bug Shake & Spray and Anti-Bug Stick are filled on machinery that has not processed gluten materials. However, Badger is not a certified gluten-free facility, so there cannot be a 100% guarantee. When using a new product for the first time, it is a good idea to read their full-disclosure labels carefully and/or perform a skin patch test prior to full use.
Their lip balm sticks are filled by an off-sight subcontractor who also processes wheat amino acids and wheat proteins. Measures are taken to prevent cross contamination and all GMP (Good Manufacturing Practice) standards are followed. Batches are also periodically tested to be sure that the cleaning processes are sufficient to reduce cross contamination of any allergens; however these products cannot be guaranteed gluten-free.
I have allergies to Peanuts & Tree Nuts – are Badger products safe for me to use?Badger products do not contain peanuts or peanut products. However, Badger does not claim that their products are peanut-free because they do not have a peanut-free certification.
Products that are manufactured at their subcontractors' facilities (lip balms; sunscreens; soaps) do not contain peanuts. However they may be produced on equipment that does produce products containing peanuts. While GMP (Good Manufacturing Practices) standards are met during the cleaning process, the company does not claim to have a peanut free facility, nor does it hold any peanut-free certifications.
Some Badger products contain Coconut Oil, Cocoa Butter, Shea Butter, Soybean Oil, and Nutmeg. All of these ingredients have been linked to severe nut allergies and may or may not cause a reaction. GMP standards for cleaning are followed to eliminate any possible cross contamination at the Badger facility and its subcontractors', however they cannot guarantee that any of their products are 100% nut-free, nor do they currently hold any certifications for this. When using a new product for the first time, it is a good idea to read their full-disclosure labels carefully and/or perform a skin patch test prior to full use.
I have allergies to Soy – are Badger products safe for me to use?Currently there are only a few things in the Badger lineup that contain soy derivatives: the Anti-Bug Shake & Spray has Soybean Oil, their lotion-based sunscreens (SPF 16 Aloe Vera, and Damascus Rose SPF 16 Face Sunscreen) contain soy ingredients as part of the emulsifiers. Badger sunscreens manufactured prior to June 2012 contain Tocopherol (natural vitamin E), which is partially derived from soy. All of Badger Sunscreens manufactured after June 2012 are made with 100% Sunflower-derived Vitamin E. Look for this specification (eg: Tocopherol (Sunflower Vitamin E) on the product label if you have allergies.
All the Body Oils and Massage Oils (including Baby Oil and Damascus Rose Face Oil) are filled using the same machine that fills the Anti-Bug Shake & Spray bottle. Although they are careful to perform GMP compliant cleanings between all batches to reduce the chance of cross contamination, they are not a certified Soy-free facility.
All balms packaged in the tins are made on machinery that has not touched any soy ingredients. So, although they are not a certified soy-free facility, these items have very low risk of any cross contamination. When using a new product for the first time, it is a good idea to read their full-disclosure labels carefully and/or perform a skin patch test prior to full use.
I have allergies to Corn – are Badger products safe for me to use?Badger does not use corn or corn oil in any of their products, however, Badger sunscreens manufactured prior to June 2012 contain Tocopherol (natural vitamin E), which is partially derived from corn. All of Badger Sunscreens manufactured after June 2012 are made with 100% Sunflower-derived Vitamin E. Look for this specification (eg: Tocopherol (Sunflower Vitamin E) on the product label if you have allergies.
When using a new product for the first time, it is a good idea to read their full-disclosure labels carefully and/or perform a skin patch test prior to full use.
My dog, cat, lizard ate my tin of Badger, will they be OK?All the ingredients contained in Badger products are natural (and most of them are also food-grade Certified Organic). In most cases, if consumed by a pet (except cats), there would be no harmful effect. Cats cannot process essential oils, so if the product has a high essential oil content it may make your cat sick. Check with your vet to be sure, since different animals have different sensitivities to essential oils, and though they're Badgers they're no animal experts!
Is it ok to use Badger on my cat?No, it is not okay to use any product containing essential oils on a cat. They cannot process essential oils in the same way that dogs or humans do and it may make them sick.
Do you do animal testing?No way – they love animals and will never test on them! W.S. Badger conducts absolutely no product testing on animals, as all the ingredients are safe and "food grade" when used in the proper amounts (their essential oils are always properly diluted.) They test all prototype products on families, friends, volunteers and themselves. It's fun. If the new product does not pass their tough standards it does not make it to the marketplace. They are also certified by Leaping Bunny which means that not only do they not test their products on animals, but they have confirmed that none of their suppliers test their ingredients on animals either.
Do Badger products contain any animal ingredients? Do you use oil made from badgers in your products?No, their products do not contain any animal ingredients and this includes badger oil. Most of their products do contain beeswax, which is produced by bees. Currently, only their Massage Oils, Body Oils (including Baby Oil), Face Oil, Damascus Rose SPF 16 Face Sunscreen Lotion, and SPF 16 Sunscreen Lotion with Aloe Vera are vegan.
Do Badger formulas contain any chemical ingredients?Read their labels and you will not see any petroleum derived products, sodium lauryl sulfate, chemical additives, chemical preservatives, synthetics, dyes or fragrances, parabens, or carcinogens. They are committed to being chemical-free, 100% natural and USDA Certified Organic, and almost all of their products bear the official USDA Organic seal. All of their minerals, including zinc oxide and the minerals in their tinted lip balms are processed in a laboratory to ensure purity.
Who They AreBack in 1995 Bill and Katie started making Badger Balm in the kitchen of their home with the support and help of their daughters Mia, Emily, and Rebecca. Now Bill is the CEO, Katie is the COO, Emily is the Director of Sales & Marketing, Rebecca is the Director of Product Development, and Mia is a Human Resources consultant. Emily has a little girl, Maya, who came to work as part of Badger's Babies at Work program. They've not yet figured out what her future role in the company will be, but for now she continues to inspire us every day to make the safest and healthiest products they can.
A team of over 40 friendly "Badgers" formulate, manufacture, and ship all of their products from their facility known as The Badger Mines. They work hard to maintain a healthy community-minded business with ethical and charitable social principles. Call and ask any employee. You'll hear about their free organic lunches every day, generous benefits package, green initiatives in every department, and their charitable giving practices.
What Makes Badger Unique?Badger is a small, family-owned & family-friendly company nestled on the banks of the Ashuelot River in rural Gilsum, New Hampshire. They blend organic plant extracts, exotic oils and butters and beeswax, and make healing balms, lip balms, safe mineral sunscreens and other personal care products that work and feel remarkably good. Badger products are uniquely formulated blends of the finest organic ingredients available anywhere in the world. Their Philosophy of Formulation is simple: make products for people they love, and then share them with the world. They combine years of tradition, research, and lots of love to create products that work as well as you expect them to.
They hold every single ingredient to the "Badger Natural Standard", a rigorous look at the growth, sustainability, and supply chain of each ingredient they use. That means that when you use Badger products, you can be sure that you are using the purest, most natural products available. And because the USDA Organic Certification is a food-grade standard, their ingredients are even pure enough to eat! Badger's USDA Certified Organic Extra Virgin Olive Oil comes from a single estate in Southern Spain, and that very same Olive Oil is used by Michelin Star-winning chefs in France and Spain! In fact, all of the Badgers eat the very same Olive Oil in Badger's organic lunches, and many of us purchase it to use in their home kitchens. And of course, they use only the finest, purest essential oils from the far corners of the globe. One example is the Organic Rose Oil (Rosa Damascena) that comes from Bulgaria - the blossoms are hand picked before dawn and steam-distilled the very same day. It takes about 5 tons of fresh rose blossoms to make one liter of oil, and Badger pays over $4,000 per liter for that precious stuff!
That's the Badger difference, and what makes Badger unique.
Their products harness the powers of aromatherapy, vitamin rich oils, essential oils, and minerals to soothe, smooth, and protect your skin and your mind. This means that Badger is a total body/mind/spirit experience. If you look at the ingredient declaration on any of their products, they're certain you'll be impressed! They hope you enjoy their products as much as they do, and please contact us if you have any questions, comments, concerns, or a funny story to share.
Badger's Mission:
Badger's Principles:
Badger's Social InitiativesThe Badger business is devoted to and built around the principles of kindness and compassion. Below are just some of the ways in which they support the people they work with, their suppliers, their community, and the people they serve.
In 2011, Badger became a Certified Benefit Corporation, which means a third party certifier rated their company's social responsibility performance, and offered guidance for how to continually improve their business practices. In 2013, they were rated in the top 10% of all B Corps!
Benefits Specific to Badger Employees (in addition to legally mandated state and federal benefits)To promote a healthy work environment, Badger believes in company transparency and employee empowerment. Badger works diligently to make the company a great place to work, where employees feel respected and valued, accountable to co-workers and customers, and where communication between co-workers reflects a personal and caring approach.
Sound like a great place to work? It is!
Badger's Environmental InitiativesAt Badger they make healthy products to help people and environmental responsibility is one of their core principles. They use mostly USDA Certified Organic ingredients in their products and they believe this support of sustainable organic agriculture helps to protect the environment, produces higher quality raw ingredients and helps to protect the farmers and their families from the dangers associated with chemical farming. When you add fair-trade into the equation, you are also helping to protect the economic welfare of their farmers and their families.
In 2011, Badger became a B-Corporation to help assess and improve their business practices, so that they are always doing what's right for people and planet. They're constantly looking for ways to improve the way they do things, from ordering paper to packing their shipping boxes.
Their Ingredients and Products
Sustainable Aspects of their Manufacturing Facility
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Apply to lips anytime, anywhere. can also be used to moisturize cuticles and other small dry patches in a pinch.
Chai Rose: *Olea Europaea (Extra Virgin Olive) Oil, *Cera Alba (Beeswax), *Ricinus Communis (Castor) Oil, *Aloe Barbadensis (Aloe) Extract, Essential Oils Of *Elettaria Cardamomum (Cardamom) and *Rosa Damascene (Rose), CO 2 Extracts of *Hippophae Rhamnoides (Seabuckthorn), *Rose Canina (Rosehips) and *Vanilla Planifolia (Vanilla), Tocopherol (Sunflower Vitamin E).
Peppermint: *Olea Europaea (Extra Virgin Olive) Oil, *Cera Alba (Beeswax), *Ricinus Communis (Castor) Oil, *Menthe Piperita (Peppermint) Essential Oil, *Aloe Barbadensis (Aloe) Extract, *Menthol (Menthol Crystals), Tocopherol (Sunflower Vitamin E).
Cinnamon Bay: *Olea Europaea (Extra Virgin Olive) Oil, *Cera Alba (Beeswax), *Ricinus Communis (Castor) Oil, *Aloe Barbadensis (Aloe) Extract, Essential Oils of *Cinnamomum Cassia (Cinnamon), *Citrus Aurantium Dulcis (Sweet Orange), *Elettaria Cardamomum (Cardamom) and Pimento Racemosa (Bay), CO2 Extracts Of *Hippophae Rhamnoides (Seabuckthorn) and *Rosa Canina (Rosehip), Tocopherol (Sunflower Vitamin E).
*Certified Organic Ingredient
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WNAAA Leadership Training Program
Each member of the WNAAA now has the opportunity to apply for admission into the NAAA/Syngenta Leadership Training Program. Each year one applicant will be chosen to represent the WNAAA. The Leadership Training Program is a hands-on workshop where participants receive training on how to communicate clearly to the public, media and government about the important role aerial application plays in the production of the country's agricultural products.
Participants meet in conjunction with the Fall NAAA Board Meeting and Spring NAAA Board Meeting. Training focuses strongly on public speaking and the ability to deal successfully with the public and media concerning industry issues.
Applicants must be the spouse of an NAAA member or a dues-paying WNAAA member. For more information, refer to the WNAAA Leadership Training Program application:
- Fillable Form
- Print-Ready Form