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Reader story: 10 financial lessons I learned from my parents' divorce
Published on - January 6th, 2013 (Modified on - January 8th, 2013) (by Ellen Cannon)
This guest post from Sydney is part of the "reader stories" feature at Get Rich Slowly. Sydney blogs about personal finance, entrepreneurship, self improvement, travel and lots of other fun stuff on Untemplater.com. Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. Want submit your own reader story? Here's how.
It's hard to believe it's been about 20 years since my parents first separated, and it's actually a blessing it happened when it did. No parent ever wants to put his or her child through the nastiness, heartache and sadness that comes with divorce, but having lived through my parents' split, I can tell you that it actually can be the best option.
When I was a kid, I didn't understand why my parents couldn't get along. Neither one of them was mean or evil; they didn't cheat on each other. They had jobs, loved me, supported my interests and activities, and they didn't seem that different from my friends' parents. Well, except for the arguing. It got really nasty toward the end of their marriage. There is absolutely nothing positive or healthy for a child of any age who has to live in a house with two yelling parents.
Money and debt drove my parents apart
I tried to avoid them when they were angry at each other, but it was hard not to listen to them even from down the hall with my door closed. What was the No. 1 thing they would always fight about? Money. Their finances were terrible. It wasn't until I became an adult that I learned just how bad they were with money. Even though both my parents worked full time, they had low-paying jobs and a staggering amount of debt.
I'm convinced that my parents' radically different views on money were main reasons they were incompatible as a couple. My mom loved to spend money that she didn't have. She probably had about 20 different credit cards. My dad was pretty much the complete opposite. He was extremely frugal and did everything he could to save money by fixing things around the house on his own. He always found ways to reuse things, hated shopping, and could stretch a dollar in so many different ways. Every time he tried to talk to her about bills and budgeting, she'd try to brush off the ugly stuff and then they'd both end up blowing up.
Here are 10 things I want to share with you that my parents inadvertently taught me about love, work and money.
1. Don't rush into marriage. Don't tell them I told you, but my parents had a shotgun wedding and they started things out rushed and frazzled. They were lucky to be in love at the time, but they had no savings, and didn't really know what they were getting themselves into. I didn't want the same thing to happen to me, so I took my time finding and getting to know my soul mate. We openly talked about our relationship, goals and desires before deciding to settle down, and things have been incredible!
2. Talk about money while you're dating. Being on the same page with your partner about money and financial goals is so important. I'm not saying you need to talk budgeting and financial goals in the first few months of dating someone, but if you want to take things to the next level, you owe it to yourselves to talk about money way before tying the knot. If you have drastically different thoughts on budgeting and saving, be forewarned this will bring a lot of stress and tension over time, and things could get very, very ugly.
3. Go to college and don't expect your parents to pay 100 percent. My parents didn't graduate from college, and this put a limit on their career paths and eligibility for promotions and raises. They were incredibly supportive of me going to college, and I was lucky to have paid for half of my tuition through financial aid and grants. Having to foot the other half of the bill myself taught me to be disciplined and work hard for good grades and internships. Paying for some or all of your schooling yourself is incredibly motivating and makes you really appreciate your education and the opportunities it presents.
4. Become financially independent. The fact that my parents didn't have a lot of money was a big reason why I studied and worked so hard. I'm saving as much as I can and fighting hard to get paid what I'm worth. Being financially independent is an incredible feeling and gives you so many freedoms. I love the quote from Mary Schmich's essay "Wear Sunscreen": "Don't expect anyone else to support you. Maybe you have a trust fund. Maybe you'll have a wealthy spouse. But you never know when either one might run out."
5. Avoid credit card debt. Credit card debt is bad. Just don't do it. If you can't afford something, just leave it in the store. I wish my mom learned this when she was young. Credit card debt has put both of my parents through hell. I shudder to think about how much money they threw away over the years in interest, fees and penalties.
6. Update your budget at least twice a year. My parents never made a budget when they were married. I, on the other hand, am crazy about budgets. I love tracking my savings and looking at my short- and long-term financial goals. The markets are always changing, so I also recommend diversifying your income streams and monitoring all of your investments regularly.
7. Don't waste money on junk. I couldn't even count how many car loads of clothes, books, household goods and junk I've donated to Goodwill over the years. A lot of it was from things my mom bought for me over the years, as well as stuff I accumulated in my 20s that I really didn't need. I've adopted a moderate minimalist lifestyle now, and I'm happy not shopping. Instead, I take care of my things so they last. I have absolutely no interest in designer jeans, handbags or shoes. The money I do spend is on traveling, activities, helping my family and saving for an early retirement.
8. Have difficult conversations. My parents had a lot of problems communicating with each other and it brought so much stress and unhappiness into their marriage. I've learned that relationships build on trust and deep conversations. Relationships can also grow stronger through having difficult conversations and facing the awkward, scary, uncomfortable and unpleasant things head on.
9. Don't quit your job without a plan. There were several times that my dad quit his job on the spot without anything else lined up; that really put our family between a rock and a hard place. I learned never to quit a job without a plan in place and another job waiting. It's easy to take our jobs and benefits for granted until we lose them, and then we desperately need income and coverage. My advice is to calculate your cost of living and make sure you have at least 12 months' worth in savings before making any radical career or life changes.
10. Think positively and help others. Keep a positive attitude whenever you can. You'll be surprised how much better your life will become! We don't need a lot to be happy. Look around you and be thankful for what you do have. I'm very grateful that my parents taught me to look on the bright side of things and help others. They weren't always happy or trouble-free themselves, but they always took care of me and reminded me that even when things are bad, there are always other people out there who need help much more than we do.
Sometimes I wonder what life would have been like if my parents didn't have all those money problems and stayed happily together. I know one thing, the holidays and visits would have been so much easier without having to shuttle back and forth! But I think their struggles led me to become the motivated, patient and independent person I am today. It's what we learn from our experiences that make us better!
This article is about Debt, Kids, Reader Stories
Thank you for this story, too bad love sometimes ends like this. I would imagine your father managed to improve his finances since the divorce, did that happen?
Great post, Sydney. Great lessons learned from a tough situation.
Thanks! It was really hard on me when I was young, but it's one of those things in life that made me stronger and I learned a lot from it. And thankfully my parents are also much happier now too.
If you want to get rich slowly, don't divorce. It is extremely hard to stay married for the long term, but if you can do it, you will without a doubt be better off financially. Sometimes divorce is the 'best option' for a myriad of reasons, but rarely is ever one of them financial.
Holy crap are we sisters? Because this sounds an awful lot like my family. My parents were terrible with money and spent years fighting about it before getting divorced. My mom has crazy debt, while I am really close to paying off all my student loans.
I've learned a lot from my parents relationship with each other and with money. But it's been hard to communicate that with my boyfriend. His parents are still together and are financially well off. He doesn't understand why I worry about money because he's never had to. He tries, but unless you've gone through rough financial times it's hard to understand the need for financial security.
Don't waste money on junk. This is one I am still working on. I come from a family of people who love to shop (and I used to be one of them!). Though to my knowledge no one in my family has been in credit card debt, that doesn't justify buying a lot of unnecessary stuff. When I go home, it's hard to convince the women in my family to spend time other ways than shopping (or Pinteresting, which is just vicarious shopping, right?)
While I will never only own 100 items, making a concerted effort to own less and take care of what you own is a huge move in changing financial habits. Being financially smart is not just about dollars and cents; it's also about a person's emotional approach to consumerism and his or her understanding of the purpose of money.
Excellent points. I've come to see excess shopping (including thrift shopping, believe it or not) as trying to fill an emotional need with stuff. It never fills the void. And life can be so much simpler without it.
Peach, I can totally see this w/r/t spending a lot at thrift stores. You think "Oh, this shirt is only $2. I'll get four!" or "This is such a good deal on a TV. I don't need one, but how can I pass up such a great deal?" You can also get a lot of bang for your buck for $20 and come home with a few bags of stuff you don't really need, but you picked up just because it was there.
I totally agree with you guys. It took me a while to realize that while the thrill of shopping (especially bargain shopping) was fun, it never lasted. The excitement of purchasing something fades VERY quickly.
But the thrills that DO stay with me for a long, long time are adventures, experiences, and travels. So that's how I treat myself nowadays instead of shopping and it's made me so much happier!
So true, Beth. Been there, done that!
Good for you, Sydney. For me, it's spending time hanging out with friends and family at our homes. That beats shopping any day.
That sounds exactly like what my dad does. I try and explain it's not really a deal when you don't need a TV, but he buys it anyway.
Great post. glad you learned the lessons. You didn't mention it, but did your parents (learn the lessons)?
Thanks Janice and nice question. My dad did very quickly I think because he had the most changes to cope with right from the start. He had to relocate, find a new job, pay child support, and then take care of his mother who got sick.
My mother has learned from her mistakes too, but it took her much, much longer. She only started getting serious about her financial situation in the last few years after I pretty much told her she needed to stick to a budget and stop wasting money immediately or I was going to have to bail her out of bankruptcy. The guilt of putting that type of burden on me seemed to really wake her up and she's been trying really hard now to watch how she spends money. I haven't been able to get her to let go of the "thrill" of shopping, but thankfully she's come a long way and has pretty much stopped all of her unnecessary spending.
I liked your article, numerous important issues were discussed in it. I agree with your point on credit cards, we should avoid credit card debt at all costs.
Thanks Brett. I make it a point to pay off my credit cards in full every month and only have two. If I can't afford it, I don't need it!
My parents don't argue much, but it is difficult to watch them spending money they don't have. They live relatively frugally, but they have nothing saved so when the car brakes down, it's the credit card to the rescue.
I would like to help them out financially when I am employed (currently a postgraduate student).
This is what got my mother especially into so much debt. She thought she deserved to spend all her disposable income and then some for most of her life, so her savings never grew. If she was faced with an emergency right now, sadly she'd still have to put it all on her double digit interest rate credit card.
You should consider sitting down with your parents and helping them look at their finances and finding ways to start building some savings. The older we get more and more unexpected expenses come out of the woodwork and having to rely solely on credit cards is scary.
It is essential to be on the same financial page before getting married but,unfortunately, that is not always the case and when things turn ugly it turns ugly really fast. Your post is insightful and wise. I hope readers take it to heart and learn from your own experience.
Thanks Evangeline. Yeah it's unfortunate a lot of people don't start thinking about personal finance until they are in a jam and need to dig themselves out of a mountain of debt. This reminds me of a post I wrote last year about how I think the average wedding cost is crazy. It blows my mind that so many couples spend 5-6 figures just on getting married without thinking about the consequences on their relationship and future together. http://untemplater.com/personal-finance/the-average-wedding-cost-is-crazy-why-do-people-spend-so-much-money/
My story: Althrough dating and the engagement my boyfriend/fiance was the epitome of finacial responsibility. We talked,planned and dreamed of the future and made wise money decisions. Then we got married and the burden of carrying a facade was too much for him. Within days, I cleary saw not only were we not on the same page, we never would be. Mistrust combined with differen money philosphies makes for a difficult marriage. My only addition to your observant and wise post would be that once you've gotten to know your future spouse, get to know them a little more.
Sorry to hear that. How frustrating that must have been to find out things weren't as you expected, especially since you two talked about money before getting married. People and relationships sure can be incredibly complicated.
Amazing how money is so often the root of relationships breakups. I couldn't be with someone like your mum, from the start. Having my own money and the ability to walk away from my relationship whenever I want is very important to me, as I know that every day I am choosing to be in that relationship and not staying because I can't afford to go.
Yes, being financially independent is so important to me too. That's one of the reasons I studied so hard in school and in my career. I wanted to have the skills and the means to stand on my own no matter what would happen in my love life. It makes me cringe when I hear some women say they just want to marry a rich guy so they never have to work and can just spend all his money. I'm glad that more and more women are learning about personal finance and taking charge of their own money matters.
It's sad how many marriage can't withstand money struggles. Before a person ever even gets engaged, they should have serious money talks with their significant other. I'm a big fan of Dave Ramsey's view of marriage and money. It's a joint venture for life, plan for it.
Yep. If a couple is too uncomfortable to talk about money before getting engaged they will be in for a nasty awakening after tying the knot. A successful marriage does require a lot of planning and open communication.
Great story, Sydney. Its been almost 30 yrs since my folks got divorced. Alot of what you wrote hits the mark with me. Thank God for the sanity of my grandparents. I know exactly whats its like to be 15 and be the only adult in the room.
Thanks Rail. Yes, my grandparents were a big positive influence on me as well. I didn't get to see them very often, but it was nice knowing that not everyone in my family was constantly fighting.
…and Sydney, what's happened to your mom since then?
As I mentioned in some of the above comments she's doing better but it took a long time and a lot of patience to get her where she is now. She lived most of her life depending on other people to sort out the finances and facing her responsibilities has been really tough.
There's a lot of sage advice in that list. Here's my commentary on some of the points.
2. The older I've gotten the more I pay attention to how a girl behaves financially. Debt, impulse spending, and no respect for or understanding of savings rapidly get you dumped into the friend zone.
3. Try to get through college with as few loans as possible. Scholarships, part time jobs, parental help. Whatever it takes, try to avoid debt.
4 & 5. Yes. Just yes.
7. I have some relatives that buy all kinds of junk. Well, junk isn't the right word, it's actually really nice high quality stuff. It's just way more than they need. Then they wind up giving it away. I got some (yay for me!). Goodwill got a lot. Someone shopping at a Goodwill is about to have a field day with the thousands of dollars of high quality goods that they gave away.
9. I have a friend who has managed to accomplish this feat multiple times. Once they quit, it's time to begin the financial hemorrhage.
Thanks for the long comment! That's nice you got some of the giveaways before they went to Goodwill! Oh man I've donated so much stuff to Goodwill over the last several years it's crazy. Especially the multiple car loads out of my mom's house. I think all the time I spent cleaning out her house really helped her realize how out of control her spending was for so long.
This is one of the most well-written posts I have read on this site. Thank you for sharing your views.
Wow thanks so much Karen!!
Excellent post. My husband and I have had some pretty serious issues in the past due to my profligate ways, thank goodness we are mostly on the same page now!! There were times as he was figuring out 0% transfers when he wondered if out marriage was going to work (while I was blissfully unaware and clueless of how much my spending was damaging our relationship).
Thanks! That's good that you've learned from your mistakes and are much more on the same page with your husband now. We all have the chance to get out of debt and get in control of our finances if we put our minds to it. Every little bit counts!
There is no shame in a Prenup or Postnup. As a retired attorney, there is only respect, decency, and rational forethought implied. The sooner, as a society, we get over it…the better off we (and any dependents) will be. If you don't have the forethought of a Prenup (so much easier), then seek a Postnup (a little more complicated due to entwined assets/liabilities/taxes). And go ahead and download the $19.95 version on the internet and fill it out prior to the appointment with an attorney. We appreciate (and acknowledge) that. We just alter it to suit the guidelines of the particular State and situation and make modifications for signature— but it will cost you significantly less, a deep discount in our overall fee. Again–I'm retired, so I don't care and I'm not selling anything here! That $19.95 of internet download will save you about a thousand or more in dollars (Good GRS need-to-know) and possibly save you much more in drama and legal fees, if need be, down the road. The protocol varies by state (you may have no need for an attorney— just a notary at your local bank will do–though I always advise an attorney), but it's always best to think of these things (and plan) when things are good—not after they get nasty. Ask any attorney if they love these contracts, we do–by percentage and complicated case. They aren't foolproof and there are time restrictions that apply. It should be the other way around: The people holding them should favor and advocate for them…to all others. Life happens, protect yourself.
You're right that finances really do get complicated and entwined after marriage. It will be interesting to see if society's views on prenups change at all in 5-10-15 years. I think a lot of people feel offended when the word prenup comes up.
You're right. It may take another 10 years. I can't tell you how many times I've had a shaken up spouse feeling guilty for signing on the dotted line! But, that same person wouldn't think twice of paying the extra warranty add-on of 49.95 for the purchase of an Ipad. I guess I think of things very differently.
KSR: I completely concur, society as a whole needs to accept prenups and postnups. I would like to hear your ideas, what are positive ways to raise such a delicate topic with a partner? I've read the book "Prenups for Lovers" and so far that book has interesting ideas. Do you have any other resources on prenups that you can share? Thank you!
This sounded so much like my parents that I actually had to check and see if my sister was the author! My parents were the same way, and the divorce was the best thing for them. My mom found someone who doesn't mind her crazy spending habits, and my dad found someone as frugal as him. I think their second marriages are much happier than their first.
Ha how funny. Perhaps we're sisters from another life. I'm glad to hear both of your parents remarried and found spouses that they're more compatible with financially. It's nice to be able to share similar financial goals with someone since money is such a big part of life whether we want it to be or not.
Please bring back copy editing. Thank you!
What great insight you have, Sydney! I'm happy to learn more about you. This was eye opening.
Thanks a bunch Kathleen! Nice to run into you here.
One of the biggest reasons clients come to us is because of differences in spending habits. A lot of couples think think they can just tough it out because they love each other- but whether its pleasant to look at marriage in this way marriage is a financial decision just as much as an emotional one.


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ATLANTA - The Raptors will be without their sixth man for at least another week, they learned on Tuesday.
After a re-evaluation of the ulnar collateral sprain in his right elbow on Monday, Patrick Patterson, who has missed the team's last five contests, was ruled out of game action for another seven days, though he will be able to return to limited basketball activity.
Patterson, wearing a supporting brace on his injured elbow as he got some work in during Raptors' shootaround, was disappointed to hear the news.
"[It's] more bad news than good," he admitted ahead of Tuesday's game in Atlanta. "I had hopes that I would be able to come out here and participate with the team and get back to basketball."
The Raptors' versatile back-up said he's experiencing very little pain in his right arm, just discomfort, one of the reasons why he had hoped to be back on the court by now.
"From when it initially happened up until now I had pain, constantly, on the court, certain types of movements or certain types of contact would aggravate it," said Patterson, who leads all Toronto reserves in scoring, averaging 9.7 points along with 5.2 rebounds since being acquired from Sacramento on December 9.
"But now, today, there's very little pain. All the movements that hurt before don't hurt now. In my mind, I'm thinking I can [play] just going off that pain factor, but doing the ultrasound and seeing the images and seeing how far it's come along to today, I'm definitely happy to know how soon I can return."
It's not clear exactly how Patterson initially sustained the injury. He believes it originally occurred in a game against the Wizards back in February and he aggravated it in a win over the Kings on March 7.
"It is frustrating," he said, not being able to pinpoint exactly how he hurt his elbow. "If I knew what happened, hopefully I could prevent it from happening again."
Patterson had become one of the team's most valuable and consistent contributors, anchoring a second unit that has been much improved since his arrival in December. In his absence, Dwane Casey has used the trio of Steve Novak, Chuck Hayes and Tyler Hansbrough as stopgaps off the bench. Unlike Patterson, a well-rounded, two-way player, his three replacements are best suited in situational roles. Each forward has stepped up to some degree, but Patterson's shoes have not been easy to fill.
Without Patterson in the lineup over the previous five games, the Raptors' bench has been outscored by a total of 50 points. The opposition's reserves have bested them by 65 alone over the last two contests.
"At least we have to hold serve," Casey said of his second unit. "We've got to find a go-to player or a guy that can produce for us, point-wise, with that second unit. Pat was giving us some points or at least spacing the floor for us where it did give [Greivis Vasquez] opportunities to drive to the basket."
Casey would not call the latest news on Patterson's injury a setback. The team was not expecting him to be able to return right away. The Raptors' forward will be assessed again after this seven-day period and if the new timetable holds true he should miss another four-to-six games.
"It could be worse, that's the way I always look at it," said Patterson. "That's what my team and the training staff is telling me, it could be worse, but you're in a positive situation, at least you know where you stand and how soon you can come back."
The Blogger: Josh Lewenberg covers the Raptors for TSN Radio 1050. He provides the latest Raptors news along with game recaps and practice notes for TSN.ca.
Josh Lewenberg follows the Raptors, so you should follow him! Follow twitter.com/JLew1050 to get updates on the Raptors!
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subset: commoncrawl


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"If you see an illness and you don't call the industry to arms to try and cure it then you are just going to die along with the rest of the industry."
- Andy Hart, European VP for advertising and online at Microsoft (Marketing 21/03/13)
Mr Hart's pronouncement on the dire state of the online ad industry is strangely reminiscent of the 'Crime is a disease. Meet the cure' strapline from Sylvester Stallone's Cobra. It's maybe equally as overblown. But I have to say that I do like the cut of his rhetoric; especially if it shocks us into action.
When I say 'us', I'm obviously not referring to you and me – purveyors of high quality, creative and relevant online advertising content. But I am talking about the other guys. The ones who see online as a cheap free-for-all. Where they can shout their wares at us for the umpteenth time and then stalk us around the internet in the hope that we'll eventually give in to their demands.
According to Matthew Chapman's recent news report, Mr Hart's overriding fear is that we're 'training consumers to avoid ads'. It seems to be a strongly founded one too. The relative inexpensiveness of the medium often means that little creative integrity goes into the production of content. Yes, there are some wonderful exceptions, but they are few and far between. Can we self-regulate? Well, yes, but we're rarely the offenders. It's the fly-by-nighters who already have complete disregard for the industry.
Even if there was a desire, can we really police a global medium in the same way that we regulate domestic TV and radio? And, most importantly, who would sit on the panel that judges which ads are the most 'beautiful, useful and relevant'? The danger is that the online fly-tippers would carry on regardless and cutting-edge creativity would be compromised.


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Cetaphil DermaControl Oil Control Foam Wash is designed to cleanse oily and acne-prone skin. It is clinically proven to gently wash away excess oil produced by acne-prone skin, along with impurities and makeup — all of which can clog your pores and lead to breakouts.
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• Innovative Zinc technology reduces surface oil and shine in acne-prone skin
• Maintains pH balance for healthier skin
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Love this product but wish you sold a travel size!
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I like the gentle cleanser, I don't care for the pump which is sticky and unwieldy. The pump doesn't return to its 'up' position after so there is alot of unnecessary fumbling to get a mere 2-3 pumps of the cleanser and oftentimes, you've lost half of it because it requires 2 hands.
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Beginning in the 2014-15 school year, students throughout Michigan will be given an online exam to test their knowledge of core subjects.
The test replaces the Michigan Merit Exam (MME) and the Michigan Educational Assessment Progam (MEAP) in all subjects except social science and science.
Called Smarter Balanced, the exam was produced by The Smarter Balanced Assessment Consortium, a state-led effort to provide consistent and comparable standards, aligned to the Common Core State Standards, in English language arts, literacy and mathematics.
- By 2014-15, all assessments will be online.
- All assessments will be given in the spring, with the exception of optional standardized interim assessments during the year.
- Districts will still have paper and pencil option for the first three years.
Benefits of the online assessment
- Scores given within 48 hours of the test
- Fewer questions compared to fixed-form tests
- More accurate measurements of student progress over time
- Assessment tailored to student ability - question difficultly increases when students answer correctly and decreases when students answer incorrectly
- Greater security because not all students receive the same questions
- Retake option available for online only
Disadvantages of the online assesment
- It could take up to 12 weeks to test all students
- Students who take the test later could have an advantage
- School districts will have to invest in more technology
- Test results will likely be shared with the public on a staggered, rather than all at once
Is your district ready?
Smarter Balanced recently released a Technology Readiness Tool for districts to measure readiness to move to an online assessment program. Martineau said only about 6 percent of districts have taken the evaluation.
Want to know more?
Go to www.smarterbalanced.org.
What do you think?
Tell us in the comments area below.


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Although the last season of the Minnesota Orchestra was lost to a 15-month lockout, the musicians and former music director Osmo Vänskä won a Grammy Award on Sunday for their recording of Jean Sibelius' symphonies.
The Minnesota Orchestra recorded the first and fourth symphonies on the BIS Records label, and the award marks the orchestra's first in the category of Best Orchestral Performance. It is also Vänskä's first Grammy.
The symphonies were recorded at the Minneapolis Orchestra Hall between May and June in 2012, and recordings can be purchased online.
To celebrate the award, the Minnesota Orchestra will perform the symphonies on March 27 and March 29, with Vänskä set to conduct. Those who attend the homecoming concerts between Feb. 7 and Feb. 15 will also receive a complimentary copy of the recording.
"I want to congratulate the Orchestra and Osmo on this outstanding honor and to offer my thanks to the many generous donors who have made possible the Orchestra's recording projects," said Michael Henson, the Orchestra's President and CEO. "This institution has an illustrious recording history that dates to the 1920s, and today's award is a brilliant achievement in that long legacy."
The other ensembles nominated for this year's Grammy for Best Orchestral Performance included:
- Gothenburg Symphony Orchestra
- Los Angeles Philharmonic
- Orchestra Mozart
- Berlin Philharmonic
Following the announcement, principal cellist Tony Ross issued a statement on behalf of the musicians that urged Vänskä to return to the Minnesota Orchestra for more than the two shows.
"The winning of a Grammy award for Best Symphonic Performance confirms where the musicians and our leader, Osmo Vänskä, were as a symphony Orchestra before the lockout," Ross said. "We were a great orchestra enjoying a special relationship with our music director. This is also why we need him to return and carry on with the projects and partnership that have brought this orchestra acclaim worldwide. We know this community deserves an orchestra at that level."
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You can use code YEW608 to get $10 off of your first purchase at iherb.com.
I am on my third bottle of this cleanser. I'm not very good with "if it ain't broke, don't fix it" thing, and always trying new things.. but I keep coming back to this. I have dry, dehydrated, sensitive skin, and because the weather has been up and down lately, my skin is even more sensitive, rough, peeling, red, and tight. I've read about how dry-sensitive skin-ers should use cream cleansers, but I never got into that stuff --- I always prefer a foaming cleanser, which seems to really strip my skin. This one from Orjene is the ONLY one that I can use for a long time, wash off, and not feel any taught, tight skin. After washing the foam off, my skin feels healthy and hydrated, and does not irritate my sensitive skin. And gentle around the eye areas too! I personally love the smell of this cleanser which kind of smells like old coke with no fizz left. Love the foaming pump packaging and price. I will repurchase over and over again.
1 out of 1 people found this review helpful. Did you? Yes No
It might be too early to review this as I only got this 3 days ago...but I really love this cleanser!! It's a foam pump dispenser but the foam that comes out isn't that weird hand soap foam, it actually creates a nice rich and creamy lather when you start applying it in circular motions. The scent is pretty non existent, definatley soapy but does not overwhelm. It takes off your makeup like a dream, mascara, eyeliner, I use it over my eyes and no problems, its pretty gentle, although I do feel a tiny tiny amount of tightness long after I patted my face with a towel, but if you use moisturizer after, your good! Love this, will report if anything adverse happens down the road.
I just want to address a comment made below regarding the Lavender Extract (LE) in this product. It certainly made me hesitate, despite the really great reviews for this product, so I looked into this a little further. While it is true that LE (or rather, linalool acid, a component of the LE) can be considered cytotoxic, this was found to be an issue in synthetic linalool acid, NOT naturally occurring linalool acid, as would be found in this product (since it specifically says the LE is certified organic, and LE is not an approved additive which can be listed on a certified organic product despite being synthetic).
SO, having said all of that, I really shouldn't rate it because I haven't tried it. BUT, I wanted to share the information I found regarding this product's ingredients... there is no reason to pass it by due to concerns over the LE ingredient. I will update after trying to see if the awesome ingredients actually do translate into awesome results for my skin. :) Hope this helps!
7 out of 7 people found this review helpful. Did you? Yes No
I was looking for a cheaper replacement for the Avene Cleanance Cleanser for oily skin, and it was important for me that it didn't include SLS or oils in it. After reading the reviews of this product here, I decided to give it a try because I loved the natural and organics ingredients and the price. I've been using it for one month now and I like it better than the Avene one. It has a silky texture, you only need a very small amount to clean face and neck, the scent is very soothing, and it leaves your skin very soft and calm. And the most important thing: it doesnt' cause breakouts, unlike cleansers with SLS.
I pair it with the serum from the same line, and my oily skin has never been better. Clean, soft, moisturized and matte all day long.
The price is great. I bought it on iHerb.com for 6.52$ (7 oz.) If you use the code LOP266 at checkout, you will save 5$ on your first order.
I looked high and low for a gentle natural foaming cleanser that was also inexpensive. I refuse to pay a fortune for soap! This was exactly what I was looking for. Doesnt interfere with my natural oil balance, cleans well, doesnt sting. I use this at night with my Thayer's toner and my face is left clean and moisturized. It's great.
This is a really good face wash that removes all traces of makeup and oil in one wash. I noticed that my skin was tighter, brighter, firmer, and looked extremely healthy while using this, and the moisturizer, religiously. The size and price can't be beat. This is definitely something I keep in my cabinet.
I live in the desert, and I have dry skin but you wouldn't know it. This cleanser is awesome. Takes away the crud, and leaves my natural oils alone.
After washing, my face is soft, not tight, shiny and red like so many other supposedly gentle cleansers leave it.
This even beats out the Origins cleanser I sampled, for way less money.
1 out of 1 people found this review helpful. Did you? Yes No
It sux because I thought I had found my HG cleanser with this. Smells good. Cheap. Organic. Takes off ALL my makeup. Good packaging.
*sigh* But then I learned that lavender oil/extract may be cytotoxic to the skin which means toxic to cells, killing them.
And the 2nd ingredient in this product is LAVENDER EXTRACT!
argghh... there goes my dream of having a HG cleanser
I've only been using this for about a week, but so far, so good! I came here first--as always--before buying it from Vitacost. The price is superb, and the product itself is great! I use it with my Clarisonic brush, and the two of them together get all the make-up. It's gentle, a mild scent, and it doesn't strip your skin. After washing , my face feels soft instead of tight. My skin is in a weird phase...I have dry, flaky patches, breakouts on my chin and sometimes my cheeks, and oily cheeks. My skin has started clearing up since using this. Could just be coincidence, but I have a feeling my skin really likes this. Afterwards, I use Thayer's Rose Witch Hazel as a toner before applying anything else. The two of them together (both HUGE bottles for very little money) are working wonders. :)
I really don't know what is in this bottle but it saved my face. This is a foaming face wash so no work for lather. I just need one pump and it cleanse all the dirt without drying and the smell is very mild and nice. It is really hard to find a face wash for my sensitive and dry but acne prone skin but this take care of everything. It is very mild everyday cleanser so for makeup day I always remove my makeup with grapeseed oil first and then wash with it.
1 out of 1 people found this review helpful. Did you? Yes No


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St. Louis' neighborhoods are gems in their own right: full of history, great people and, as far as Gut Check is concerned, fantastic food. Each week we'll take you into a specific neighborhood and point you in the direction of the best places to grab some bites. View Midtown in a larger map As its ... More >>
A few weeks ago, a couple in North Kansas City saw this creature come to their hummingbird feeder. Here's how unusual that is:
Yesterday we mentioned that a heat wave has threatened Russia's wheat crop. Now the country's in danger of losing its fruit seed bank. Marion Nestle writes in The Atlantic that the Global Crop Diversity Trust has issued a warning that real estate developers are threatening the home of the Pavlovsk E ... More >>
Don't you know? Gut Check has a Twitter account. You can follow us @gutcheckstl.Here's some of what you missed on the Twitter feed this week: How Not to Respond to Criticism on Yelp: A Case Study - http://bit.ly/9vQawn BP Honcho Says He'd Gladly Eat Gulf Coast Seafood http://bit.ly/dCj21e
The three largest meatpackers in Brazil veer away from environmentally unfriendly ranches. Food Safety News reports that the move to stop doing business with 221 ranches came after a Greenpeace report on cattle farming's effects of Amazon deforestation. The meatpacking industry intends to cut more e ... More >>
Sameem is a dream fulfilled -- for the owner and for us
Taft Street Restaurant puts fresh twists on hearty favorites
Goofy name aside, Wholly Mackerel has a promising future
Dining out at the end of the millennium
The Gulf Coast Café fills the vacant niche for seafood both on the South Grand strip and in the city of St. Louis
The pleasures of warm-weather eating and drinking


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Posts Tagged 'Eartha Kitt'
12 Sexiest Women from the Batman Movies (list)
Superheroes always get the hottest chicks around and Batman (aka Bruce Wayne) definitely had his fair share of leading ladies. Here are some of his famous leading ladies of the big screen, from the TV series to the latest Batma...
Who is the Hottest Catwoman? (pics)
There have been many actresses who have played Gohtam's naughty pussycat over the years, but who is the hottest? For the most recent Batman movie, it seems Anne Hathaway will be purring up to Batman in the upcoming The Dark Kni...


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Women's Nike Tampa Bay Buccaneers NFL Fan T-Shirt
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7 U.S. Code § 8111 - Biomass Crop Assistance Program
(a) Definitions
In this section:
(2) BCAP project area
The term "BCAP project area" means an area that—
(A) has specified boundaries that are submitted to the Secretary by the project sponsor and subsequently approved by the Secretary;
(B) includes producers with contract acreage that will supply a portion of the renewable biomass needed by a biomass conversion facility; and
(3) Contract acreage
The term "contract acreage" means eligible land that is covered by a BCAP contract entered into with the Secretary.
(4) Eligible crop
(B) Exclusions
The term "eligible crop" does not include—
(i) any crop that is eligible to receive payments under title I of the Agricultural Act of 2014 [7 U.S.C. 9001 et seq.] or an amendment made by that title; or
(5) Eligible land
(A) In general
The term "eligible land" includes—
(i) agricultural and nonindustrial private forest lands (as defined in section 2103a (c) of title 16); and
(ii) land enrolled in the conservation reserve program established under subchapter B of chapter I of subtitle D of title XII of the Food Security Act of 1985 (16 U.S.C. 3831 et seq.), or the Agricultural Conservation Easement Program established under subtitle H of title XII of that Act [16 U.S.C. 3865 et seq.], under a contract that will expire at the end of the current fiscal year.
(B) Exclusions
The term "eligible land" does not include—
(ii) land that is native sod, as of the date of enactment of the Food, Conservation, and Energy Act of 2008 (7 U.S.C. 8701 et seq.);
(iii) land enrolled in the conservation reserve program established under subchapter B of chapter 1 of subtitle D of title XII of the Food Security Act of 1985 (16 U.S.C. 3831 et seq.), other than land described in subparagraph (A)(ii); or
(iv) land enrolled in the Agricultural Conservation Easement Program established under subtitle H of title XII of that Act [16 U.S.C. 3865 et seq.], other than land described in subparagraph (A)(ii).
(6) Eligible material
(A) In general
The term "eligible material" means renewable biomass harvested directly from the land, including crop residue from any crop that is eligible to receive payments under title I of the Agricultural Act of 2014 [7 U.S.C. 9001 et seq.] or an amendment made by that title.
(B) Inclusions
The term "eligible material" shall only include—
(i) eligible material that is collected or harvested by the eligible material owner—
(I) directly from—
(ii) if woody eligible material, woody eligible material that is produced on land other than contract acreage that—
(I) is a byproduct of a preventative treatment that is removed to reduce hazardous fuel or to reduce or contain disease or insect infestation; and
(C) Exclusions
The term "eligible material" does not include—
(i) material that is whole grain from any crop that is eligible to receive payments under title I of the Agricultural Act of 2014 [7 U.S.C. 9001 et seq.] or an amendment made by that title, including—
(IV) oilseeds, including canola, crambe, flaxseed, mustard seed, rapeseed, safflower seed, soybeans, sesame seed, and sunflower seed;
(v) woody eligible material that—
(vi) any woody eligible material collected or harvested outside contract acreage that would otherwise be used for existing market products; or
(7) Producer
The term "producer" means an owner or operator of contract acreage that is physically located within a BCAP project area.
(8) Project sponsor
The term "project sponsor" means—
(b) Establishment and purpose
The Secretary shall establish and administer a Biomass Crop Assistance Program to—
(1) support the establishment and production of eligible crops for conversion to bioenergy in selected BCAP project areas; and
(c) BCAP project area
(1) In general
The Secretary shall provide financial assistance to a producer of an eligible crop in a BCAP project area.
(2) Selection of project areas
(A) In general
To be considered for selection as a BCAP project area, a project sponsor shall submit to the Secretary a proposal that, at a minimum, includes—
(i) a description of the eligible land and eligible crops of each producer that will participate in the proposed BCAP project area;
(ii) a letter of commitment from a biomass conversion facility that the facility will use the eligible crops intended to be produced in the proposed BCAP project area;
(iii) evidence that the biomass conversion facility has sufficient equity available, as determined by the Secretary, if the biomass conversion facility is not operational at the time the proposal is submitted to the Secretary; and
(B) BCAP project area selection criteria
In selecting BCAP project areas, the Secretary shall consider—
(i) the volume of the eligible crops proposed to be produced in the proposed BCAP project area and the probability that those crops will be used for the purposes of the BCAP;
(ii) the volume of renewable biomass projected to be available from sources other than the eligible crops grown on contract acres;
(iv) the opportunity for producers and local investors to participate in the ownership of the biomass conversion facility in the proposed BCAP project area;
(v) the participation rate by—
(I) beginning farmers or ranchers (as defined in accordance with section 1991 (a) of this title); or
(vii) the variety in biomass production approaches within a project area, including (as appropriate)—
(ix) existing project areas that have received funding under this section and the continuation of funding of such project areas to advance the maturity of such project areas; and
(3) Contract
(A) In general
On approval of a BCAP project area by the Secretary, each producer in the BCAP project area shall enter into a contract directly with the Secretary.
(B) Minimum terms
At a minimum, a contract under this subsection shall include terms that cover—
(i) an agreement to make available to the Secretary, or to an institution of higher education or other entity designated by the Secretary, such information as the Secretary considers to be appropriate to promote the production of eligible crops and the development of biomass conversion technology;
(ii) compliance with the highly erodible land conservation requirements of subtitle B of title XII of the Food Security Act of 1985 (16 U.S.C. 3811 et seq.) and the wetland conservation requirements of subtitle C of title XII of that Act (16 U.S.C. 3821 et seq.);
(iii) the implementation of (as determined by the Secretary)—
(4) Relationship to other programs
In carrying out this subsection, the Secretary shall provide for the preservation of cropland base and yield history applicable to the land enrolled in a BCAP contract.
(5) Payments
(A) In general
The Secretary shall make establishment and annual payments directly to producers to support the establishment and production of eligible crops on contract acreage.
(B) Amount of establishment payments
(i) In general Subject to clause (ii), the amount of an establishment payment under this subsection shall be not more than 50 percent of the costs of establishing an eligible perennial crop covered by the contract but not to exceed $500 per acre, including—
(C) Amount of annual payments
(i) In general Subject to clause (ii), the amount of an annual payment under this subsection shall be determined by the Secretary.
(ii) Reduction The Secretary shall reduce an annual payment by an amount determined to be appropriate by the Secretary, if—
(I) an eligible crop is used for purposes other than the production of energy at the biomass conversion facility;
(D) Exclusion
The Secretary shall not make any BCAP payments on land for which payments are received under the conservation reserve program established under subchapter B of chapter 1 of subtitle D of title XII of the Food Security Act of 1985 (16 U.S.C. 3831 et seq.) or the agricultural conservation easement program established under subtitle H of title XII of that Act [16 U.S.C. 3865 et seq.].
(d) Assistance with collection, harvest, storage, and transportation
(1) In general
The Secretary shall make a payment for the delivery of eligible material to a biomass conversion facility to—
(2) Payments
(A) Costs covered
A payment under this subsection shall be in an amount described in subparagraph (B) for—
(3) Limitation on assistance for BCAP contract acreage
As a condition of the receipt of an annual payment under subsection (c), a producer receiving a payment under this subsection for collection, harvest, storage, or transportation of an eligible crop produced on BCAP acreage shall agree to a reduction in the annual payment.
(e) Report
Not later than 4 years after February 7, 2014, the Secretary shall submit to the Committee on Agriculture of the House of Representatives and the Committee on Agriculture, Nutrition, and Forestry of the Senate a report on the dissemination by the Secretary of the best practice data and information gathered from participants receiving assistance under this section.
(f) Funding
(1) In general
Of the funds of the Commodity Credit Corporation, the Secretary shall use to carry out this section $25,000,000 for each of fiscal years 2014 through 2018.
(2) Collection, harvest, storage, and transportation payments
Of the amount made available under paragraph (1) for each fiscal year, the Secretary shall use not less than 10 percent, nor more than 50 percent, of the amount to make collection, harvest, transportation, and storage payments under subsection (d)(2).
(3) Technical assistance
(A) In general
Effective for fiscal year 2014 and each subsequent fiscal year, funds made available under this subsection shall be available for the provision of technical assistance with respect to activities authorized under this section.
(B) Relationship to other laws
To the extent funds obligated or expended under subparagraph (A) include funds of the Commodity Credit Corporation, such funds shall not be considered an allotment or fund transfer from the Commodity Credit Corporation for purposes of the limit on expenditures for technical assistance imposed by section 714i of title 15.
Source(Pub. L. 107–171, title IX, § 9011, as added Pub. L. 110–234, title IX, § 9001(a),May 22, 2008, 122 Stat. 1327, and Pub. L. 110–246, § 4(a), title IX, § 9001(a),June 18, 2008, 122 Stat. 1664, 2089; amended Pub. L. 112–240, title VII, § 701(f)(10),Jan. 2, 2013, 126 Stat. 2365; Pub. L. 113–79, title IX, § 9010,Feb. 7, 2014, 128 Stat. 932.)
References in Text
The Agricultural Act of 2014, referred to in subsec. (a)(4)(B)(i), (6)(A), and (C)(i), is Pub. L. 113–79, Feb. 7, 2014, 128 Stat. 649. Title I of the Act is classified principally to chapter 115 (§ 9001 et seq.) of this title. For complete classification of this Act to the Code, see Short Title note set out under section 9001 of this title and Tables.
The Food Security Act of 1985, referred to in subsecs. (a)(5)(A)(ii), (B)(iii), (iv), and (c)(3)(B)(ii), (5)(D), is Pub. L. 99–198, Dec. 23, 1985, 99 Stat. 1354. Subtitles B, C, and H of title XII of the Act are classified generally to subchapters II (§ 3811 et seq.), III (§ 3821 et seq.), and VII (§ 3865 et seq.), respectively, of chapter 58 of Title 16, Conservation. Subchapter B of chapter 1 of subtitle D of title XII of the Act is classified generally to subpart B (§ 3831 et seq.) of part I of subchapter IV of chapter 58 of Title 16. For complete classification of this Act to the Code, see Short Title of 1985 Amendment note set out under section 1281 of this title and Tables.
The date of enactment of the Food, Conservation, and Energy Act of 2008, referred to in subsecs. (a)(5)(B)(ii), is the date of enactment of Pub. L. 110–246, which was approved June 18, 2008.
Pub. L. 110–234and Pub. L. 110–246enacted identical sections. Pub. L. 110–234was repealed by section 4(a) ofPub. L. 110–246.
Prior Provisions
A prior section 9011 ofPub. L. 107–171was classified to section 8109 of this title, prior to the general amendment of this chapter by Pub. L. 110–246.
2014—Pub. L. 113–79amended section generally. Prior to amendment, section related to the Biomass Crop Assistance Program.
2013—Subsec. (f). Pub. L. 112–240designated existing provisions as par. (1), inserted heading, and added par (2).
Effective Date of 2013 Amendment
Amendment by Pub. L. 112–240effective Sept. 30, 2012, see section 701(j) ofPub. L. 112–240, set out in a 1-Year Extension of Agricultural Programs note under section 8701 of this title.
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
|§ 8111
|gen amd
|113-79 [Sec.] 9010
|128 Stat. 932
|§ 8111
|112-240 [Sec.] 701(f)(10)
|126 Stat. 2365
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The Tigers have a rating of .5921, just behind ACC Atlantic Division rival Florida State, who stands at .6071 in 10th position.
The Tigers are ranked ninth in the Harris Poll and ninth in the latest
USA Today poll. Clemson is also 11th in the Associated Press poll, but
that ranking is not factored into the BCS formula. Clemson's averaging
ranking in the computer aspect of the BCS poll is 15th.
This is the 13th consecutive BCS ranking that Clemson is in the top 20.
The Tigers are one of eight schools that can make that claim and are
joined by Kansas State, Oregon, Alabama, LSU, South Carolina, Oklahoma
and Stanford as programs that have been listed in the top 20 of every
BCS poll the last two years.
Clemson has made a steady climb since the first BCS ranking on October
14. Clemson has gone from19th in the first poll to 18th in the second,
to 13th in the third, 13th in the fourth and now 11th in the fifth poll.
There will be three more rankings. The final ranking on December 2
will be used to determine the teams that will be selected for the five
BCS Bowls.
Clemson played in a BCS Bowl, the FedX Orange Bowl last year. Clemson
is attempting to join Florida State and Virginia Tech as the only ACC
programs to play in BCS bowls in consecutive years.
No need for reminders
Dabo Swinney doesn't see any reason to use last year's 37-13 loss at N.C. State as motivation for…


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The U.S. Postal Service is one step closer to merging Tucson's mail processing center with Phoenix.
Friday was the last day you could get your mail post-marked in Tucson.
Thousands of letters that are normally processed at the Tucson postal service facility are now being shipped to Phoenix. It's the first step of merging the two mail processing centers.
"It kind of doesn't make sense to me," said Alecia Bristow, a Tucson resident. "I think it's a waste of time and money."
But postal workers say it'll save $14 million a year. The postal service does not plan on laying anyone off. Post office spokesman Rob Soler said workers will be shifted around to new assignments, "We don't anticipate any layoffs. The expectation is that we'll be able to absorb the reductions by setting aside available positions with the postal service."
But, union president Connie Salder-Nelson disagrees, saying when the merge is finished-- some of the temporary workers will be out the door.
"I'm guessing a good 2-3 that's in Tucson. But, what about the folks who live in Douglas?" Said Salder-Nelson. "You're adding another day on to that."
But, Soler says employees out of the Phoenix Mail Processing Center will be working around the clock and there will be no delays.
"It should not impact the amount of time for your letters to be delivered."
Soler says the postal service has seen a recent decline of first class mail by 25 percent. That leaves residents like Joanne Stanik feeling uneasy.
"It's going to encourage more people to use the electronic methods rather than to use the standard mail," said Stanik. "Eventually we wont have mail service."
The merge will take a year to finish.
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Hello, I'm Kelsey! (Synful Masterpiece)
I've decided to make a gallery because I want to show everyone how much I can do without waiting for people to order a graphic from me. Plus, I have most of my graphics just in a simple little folder on my computer with no one to see. So... let the show casing begin!!!
-Kelsey <3
Views: 913
Okay. This is. Just. Wow.
I really really love this!!!
And that has to be my favorite song by her. :3
I love Ellie Goulding <3 She's one of my favourite artists :)
It's my favourite song as well, I also like Starry Eyed
This is a great song!!
Lovely graphic!
Your welcome! I really enjoyed them, all of them are added to my reading list
Really? :#3
Haha yes!
I like number four the best, but they're all GORGEOUS!!!
Thank you Claire :)
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Trattoria Aldina
Forget the Michelin stars for a second. Cloistered upstairs in a utilitarian apartment block, Aldina feels like a precious secret guarded loyally by local shoppers, who roll in from the adjacent produce market.
Forget the Michelin stars for a second. Cloistered upstairs in a utilitarian apartment block, Aldina feels like a precious secret guarded loyally by local shoppers, who roll in from the adjacent produce market.
If you were to make a list of the great wonders of Italy, hidden amid Venice's canals and Rome's Colosseum would be cheap, pretension-free osterie like Osteria dell'Orsa, where the food is serially sublime and the prices are giveaway cheap.
Walk through a gauntlet of ham slicers and waiters gouging lumps out of giant parmigiano reggiano cheeses in a pungent entrance vestibule, and you've arrived at one of about 25 contenders for Parma's best restaurant.
Trying to fancy up Italian food is a precarious profession in a country where tradition and simplicity rule. All the more reason to offer kudos to La Mariola, where food is more artistic than the usual homespun fare, and wine can be ordered by the quartino (quarter-litre measure).
The waiters in bow ties suggest an underlying grandiosity, but the Biassanot is about as down to earth as its earthy menu, which lists such rustic throwbacks as wild boar, goat, and veal with balsamic vinegar and mushrooms. Get in early: the check-clothed tables get busy. The pear torta and hot custard dessert round off proceedings very nicely.
Yet another understated jewel amid the winding streets of Ferrara's old Jewish ghetto, this osteria leads you through a nondescript downstairs bar up to a bright upstairs dining room embellished with striking modern murals. The excellent menu mixes Ferrara staples like cappellacci di zucca with a less-predictable fish menu.
With only four tables, a narrow back-alley location, no real signage and a 90-minute daily opening window, this perplexingly unassuming osteria isn't really setting itself up for legendary status.
Claiming the number-three spot on San Pellegrino's influential 'World's 50 Best Restaurants' list is a big deal, especially when your business is based, not in Paris or New York, but…Modena.
For a slice of Ferrarese culinary history, head to this hole-in-the-wall pizzeria, run by the same family since 1936. Choices are simple: do you want your pizza margherita small or medium-sized, with or without anchovies? Aside from draught beer, the only other menu item is padella di ceci (a chickpea-flour treat cooked in the wood-fired oven).
Speedy waiters glide around balancing bread baskets, wine bottles and pasta dishes in this deliciously traditional dining room where first dates mingle with animated families and office groups on a birthday jaunt What would pass as outstanding in any other country passes as normal in Danilo: antipasti of salami, pecorino and fig marmalade; secondi (second courses) of bollito.
You'll notice marked differences between Emilian and Romagnan food, with the latter best known for its local spin on the grilled panini , the piadina (a stuffed flatbread).
Bored with his day job, the enterprising Teo convinced his mum to help him open a pizzeria, using the same recipe he adored as a child. Mum is up at 4am making dough, and Teo takes care of the rest.


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Wolf ACB36 36" Natural Gas Countertop "Achiever" Charbroiler
This countertop charbroiler has six burners with heavy cast iron char-radiants and broiling grates. An underburner deflector system reflects heat upwards creating a "Cool Zone" in the grease drawer and drip pan areas. Supercharger burner dividers minimize heat transfer to enhance multi-zone cooking capability. There is one 18,000 BTU/hr. burner for each broiling grate and one infinite heat control valve for each burner. The gas charbroiler has easy to clean stainless steel front, sides, top rim and grease trough. The 5 1/4" wide diamond grates are reversible for "level" broiling or self cleaning.
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FLAGSTAFF, Ariz. (AP) - Flagstaff got a soaking from a monsoon storm Tuesday.
The Arizona Daily Sun reports the storm dropped 1.74 inches of rain at the northern Arizona city's airport.
The rain was heavy enough in some areas to swamp cars and intersections and flood a railroad underpass.
Several parts of town got hail the size of marbles and quarters.
Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Probe into the Reasons of Absence in Accounting Credit among Listed Companies and Study on Countermeasures
Credit is basic principle for accounting and the absence of accounting credit will restrain enterprises from existing and development and influence the healthy operation of national economy. Currently absence in accounting credit is an international problem and the accounting credit of listed companies is suffering from social questioning. In this paper, the authors, based upon the definition and performance of absence in accounting credit among listed companies with the help of systematic thoughts, deeply and completely analyzes both internal and external reasons for the absence in accounting credit among listed companies, and attempt to propose of corresponding countermeasures in punishing absence in accounting credit from the aspect of government regulation, social supervision and self-discipline of enterprises and accounting personnel so as to put forward related references for accounting credit construction among listed companies.Key Words: Listed Company; Absence in Accounting Credit; Probe into Reasons; Countermeasures
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DOI: http://dx.doi.org/10.3968%2Fj.css.1923669720100604.024
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Mathematics & Engineering
MyMathLab Portal
MyMathLab is an online mathematics environment that enables students to access many of the useful resources that are now available with many of the mathematics textbooks. MyMathLab provides students with a personalized interactive learning environment, where they can learn at their own pace and measure their progress.
Many of the traditional mathematics classes and all of the online classes taught at Jackson College use MyMathLab. Because of the wonderful resources and materials available in MyMathLab, Pearson Custom Publishing has created a portal through which all of the students at Jackson College can access the resource materials available in MyMathLab that correspond to the textbook being used for the different courses being taught.
In order to access these resources, use the portal information that came with your textbook to register with MyMathLab. Then go to www.mymathlab.com to log in to MyMathLab. Open a new window and type (or paste) the url www.pearsoncustom.com/mi/jccmath/stu_res.html in the address bar. This will take you to the portal. Select student resources for the class you are in or the class you would like to review.


text:
Visitors Among Us
- Grey
- uploaded: Sep 11, 2013
- Hits: 374
We have always wondered if we were alone. Sightings of "visitors" have been reported for thousands of years, and for most of the modern era, we have categorized these sightings amongst "aliens", "ghosts", "demons", and others. What if by categorizing them we isolate the evidence and minimize its potential value for correlation, cross-connection, and - ultimately - understanding?This presentation compiles some of the best videos of the supposed "visitors" and begs the question - are they among us? Footage includes ghosts at Walt Disney World, news reports of UFO orbs, glowing "sparklets" in the woods, creatures underground, and much a society, is it possible that we are conditioned to view such evidence in isolation? Does being aware of the multitude of possibilities offer us new avenues to explanation? Is it possible that the visitations reported for thousands of years - from ghost sightings and monsters in the woods to alien abduction and UFO spaceships - are all different manifestations of the same phenomenon dependent on who is the observer?
3 comments
Stanley03061973 September 12, 2013 4:42:53 AM CEST
Stanley03061973 September 12, 2013 4:41:08 AM CEST
Great video I just Got more evidence that there using remote control that can dissappear .STILL GETTING EVIDENCE.BEST PROOF
Mac Dee September 11, 2013 11:48:59 PM CEST
Nice work. Your video was an interesting compilation of strange videos, but to keep your credibility with the community you might want to delete the father and son looking out the airplane window commenting on what is it. The actual video is nothing more then the Revel casino which stands at 47 stories, the second tallest in the state of New Jersey, the ball on the top is part of the design. This video was shot from the plane over the Revel casino as the plane was descending into the local airport in New Jersey.


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Tommy Bahama Laguna Beach Bar & Grill
- Address:
400 South Coast Highway
Laguna Beach, CA 92651Neighborhood:
Laguna Beach
- Cuisine:
SeafoodPrice: $30 and under
Tommy Bahama Laguna Beach Bar & Grill
- Dining Style: Casual Dining
- Website: http://www.tommybahama.com/TBG/Stores_Restaurants/Restaurants/Laguna_Beach.jsp
- Phone: 9493766886
- Hours of Operation:
Open for lunch at 11:30am, Dinner served 5:00pm-Close
Happy Hour Monday - Friday 3:00-6:00pm
- Payment Options: AMEX,Diners Club,Discover,MasterCard,Visa
- Cuisine: Seafood, Californian, Contemporary American
- Executive Chef: Marcus Lage
- Dress Code: Casual Dress
- Accepts Walk-Ins: Yes
- Additional Details: Bar Dining, Bar/Lounge, Beer, Full Bar, Gluten-free Menu, Non-Smoking Area, Non-Smoking Restaurant, Smoking Area, Takeout, Wheelchair Access, Wine
Getting there
- Cross Street: Laguna Avenue
- Public Transit: Public bus and Laguna Beach shuttle stops on Pacific Coast Highway.
- Parking: Public Lot
- Parking Details: Ample metered parking is available in the public lot on the corner of Laguna Avenue and Glennerye just behind Tommy Bahama. Street and lot meters accept credit cards. Meters are not enforced after 7pm.
A word from Tommy Bahama Laguna Beach Bar & Grill
When lifestyle meets location, the result is Tommy Bahama Laguna Beach Bar & Grill, a new restaurant/retail concept that seamlessly integrates the dining and shopping experience into one intimate space, and captures the charm and heritage of the beachside community.Continued
Foodspotting photosSee all photos
Awards voted by OpenTable diners
- Diners' Choice WinnerSeafood
Tommy Bahama Laguna Beach Bar & Grill - Best Restaurants in Laguna Beach ›
Tommy Bahama Laguna Beach Bar & Grill reviews from OpenTable diners
60 reviews since June 4, 2014
- Food4.4Service4.4
- Ambiance3.9Noise LevelEnergetic
great for lunch (28)vibrant bar scene (22)fit for foodies (22)neighborhood gem (21)kid-friendly (12)good for groups (12)hot spot (12)scenic view (11)special occasion (10)late-night find (8)great for brunch (6)notable wine list (3)romantic (3)great for outdoor dining (1)Show More
- SharonDined on 9/27/2014This location is not as fancy as the Corona del Mar location and the menu is smaller.Special Features:
- Nice place to go...StillBillDined on 9/24/2014and it WAS nice but not in a negative way. Good specialty drinks, good, tasty food, GREAT service for us. I would choose to go again..!Special Features:I would recommend this to a friend.
- Food was awesome. Service was greatElvisisaliveDined on 9/20/2014Our server, Marie was phenomenal! Make sure that this young lady gets a kit of hours. She is very good at her job!Special Features:I would recommend this to a friend.
- Great get together place!MARIA6167VIPDined on 9/7/2014I came here this past weekend for appetizers and drinks. It was such a fun place to at for a Sunday afternoon. There was live music and the food was very good! This place is located in the heart of Laguna Beach so you can easily take a nice stroll to the beach. Lovely place!Special Features:
- Lively restaraunt in Laguna BeachFrqntdinerDined on 9/6/2014Nice place to people watch while relaxing and enjoying lunch or dinner. Food is fairly standard yet good. Friendly service and accoustical guitar player is quite good as well.Special Features:
- A local favoritejpcurtisDined on 9/2/2014We enjoy going to TB in Laguna. We like the week nights as it is quieter and easy to converse. The food is always good and the service great.Special Features:
- MediocreAKfoodieVIPDined on 8/23/2014I had higher expectations of this place based on what the menu read like. I was disappointed to find that it's more of a beach bar than a dining establishment. Live entertainment that was very loud was a bit of a shock. The food was more like bar food than finer dining (which I was expecting since they took reservations and the menu reads more like fine dining). The fries left a greasy film aftertaste. The burger my daughter ordered was so messy she could barely hold it together. My ahi tuna salad was very good.
- Laguna BeachDmtssDined on 8/18/2014Perfect beach atmosphere for a beach town. Open and airy, great for people watching. Server was great, went out of her way to make our dining experience a pleasure.Special Features:
- Aloha TimePakiDined on 8/16/2014As always, Tommy Bahamas dining wants me to hurry back to the islands! Usually dine at the Corona Del Mar location, but friends from out of town were anxious to see Laguna beach. Menu has some old favorites and also new items not found at CDM. Great cockail called Cucumber Mash, but Rachel made it for me with vodka instead of rum. It was super refreshing! Short rib sliders are excellent! Wedge salad was just okay. Saturday night in the summer, the noise level is over the top, but we still enjoyed. Live entertainment was great!Special Features:
- Great food and service4mgoblueVIPDined on 8/10/2014Took my family of 6 and enjoyed excellent food and service. We had to wait for table and they gave us two free apps without having to ask. Then seated us at comfortable table for 6. Food was great and live music relaxing. Left an item and dame back next day and they had it ready for pick up. Great attitudes and smiles by all servers and GM. Well run spot!Special Features:
- luv2dineOpenTable Diner Since 2009Dined on 8/10/2014The food is always delicious and the service is top notch!Special Features:I would recommend this to a friend.
- Excellent!PaulaPDined on 8/4/2014First time at this location. Everything was excellent ... the service was quick and attentive, the food was absolutely outstanding. Incredible drink menu ... we all tried something different and enjoyed each one. Everything from appetizers, to entrees to dessert was just great ... every bite was savored and we'll definitely go again.Special Features:I would recommend this to a friend.
- Great place for good time & foodHema1808Dined on 8/2/2014Upon entering the restaurant I noticed how energetic and vibrant the place was. Live music in the evenings welcomes the crowd and service was amicable. Food taste, presentation was wonderful. Menu was simple and also had varieties like seafood, meat and vegetarian option. Great for all kinds of eaters. Highly recommend dining hereSpecial Features:I would recommend this to a friend.
- Best Mai Tais!MVLisaDined on 8/1/2014The restaurant has great food and service and excellent mai tais. It is very loud but it's got a good energy so the noise level felt festive.Special Features:
- Great Casual dinnerOpenTable Diner Since 2005VIPDined on 7/19/2014Had dinner before attending the Pagent of the Masters. Good meal. Food was timely and yummy. The staff was extremely friendly and more then happy to help. It was our anniversary and they brought us a dessert with a candle, very sweet! I enjoyed the casual nature of the place and fun family friendly atomsphere. I had to be in Newport Beach the following week for a casual business lunch and ended up choosing Tommy Bahama Grill in Newport.Special Features:
- AverageOpenTable Diner Since 2014Dined on 7/19/2014Food was good, but too loud to have a conversation. Menu was limited compared to other Tommy Bahama restaurants.
- Excellent Food & ServiceSauerheadDined on 7/18/2014The quality of the food was outstanding, and it was perfectly prepared. The menu is not extensive, but maybe that's why they get it right - better to do a few things well than to try to do everything.Special Features:I would recommend this to a friend.
- Great Choice for dining in LagunaTommy3Dined on 7/18/2014It was our first visit to Tommy Bahama's restaurant. We had heard good things and decided to give it a try. The service was excellent and the food was delicious! For starters we had the artichoke and then the wedge salad. For dinner we both had the chicken breast. I highly recommend all of these as they were well prepared, decent portions and delicious! The ambiance is casual and open. So the only draw back would be that I wouldn't suggest it for a romantic evening. The night we were there 7/18, there was entertainment. It was a lone guy with a guitar who provided a lot of music for one person. His performance was really enjoyable at a level that still allowed us to have easy conversation at our table. We will definitely go back!Special Features:I would recommend this to a friend.
- Friends told me about this place...MaryKDined on 7/14/2014And they were right. Ate light. Excellent tomato bisque--could taste the roasted tomatoes and not overly creamy. Salad was solid yet not staid. Cosmopolitan flavors were smooth yet punchy. Server friendly, prompt but gave us space too.Special Features:I would recommend this to a friend.
- lovefoodDined on 7/13/2014Always love a visit to Tommy Bahama. The food is always good and has a little "island" twist.Special Features:
- GwenDined on 7/13/2014The lobster Mac and cheese is the best I've had anywhere! Also, the blue cheese dressing on the wedge salad wasn't the ordinary tart dressing but had a hint of sweetness. I loved itSpecial Features:I would recommend this to a friend.
- Good music and food, great pricesOski65VIPDined on 7/11/2014Four of us for a Friday evening dinner. Brought our own bottle of wine, no corkage fee for the first bottle. Very nice solo guitar/singer doing music from the 70's. A few appetizers, the Hawaiian butterfish entree, and a couple of desserts. Service was fast, attentive, friendly. All in all a great place for a casual dinner.Special Features:
- Usually a fan.....DiningduoVIPDined on 6/29/2014We are at this location for the first time and I was a little disappointed. They have a good spot-right across from the beach-in the middle of all the action. The restaurant and attached store are smaller than other locations I have visited but the beach feel is nice. Service was fine on this busy Sunday evening and the live music was good but was drowned out by the very loud bar area. The problem was that the food we ate was not that good. I tried the lobster grilled cheese and soup. My husband had the prime rib dip. Both had little taste. Missed the famous crab bisque that was not available at this location. Wedge salad that our friend had looked great and she said it was delicious. She and her husband enjoyed the fish tacos.Special Features:
- A good value all aroundOpenTable Diner Since 2009VIPDined on 6/28/2014We had a great dinner at Tommy Bahamas, the music was perfect for the ambiance and the food and service were terrific. Would highly recommend for a date nightSpecial Features:I would recommend this to a friend.
- Coconut Shrimp Is Amazing!wanderllustDined on 6/27/2014Cozy, vibrant eatery off the the coast highway in Laguna Beach! Menu was extensive and reasonably priced, and the service was excellent! Enjoyed the tropical themed restaurant with the pineapple mango candle scents and lively bar scene. There was a guitarist in the bar area which made for fun background music. Highly recommend as a memorable, casual dining experience!Special Features:
- Everything Is DeliciousConnieHDined on 6/15/2014I have been here a few times and the food is always tasty. The service is top-notch and attentive. I really enjoy the live music too. It is at level that it can be enjoyed and still be able to have a conversation at the table.Special Features:I would recommend this to a friend.
- TB Laguna BeachLuv2dineDined on 6/14/2014If you are thinking that this site will be great for ocean views since it's on PCH, you'll be disappointed. It's across from the hotel on the first floor, so the front seating area is good for people watching. There is no outdoor dining and it's a small place by TB standards. Same menu, friendly staff and good live music.Special Features:I would recommend this to a friend.
- We really like this placeJohnDined on 6/8/2014We have been there many times for lunch and dinner. It is never disappointing. The food is very good, the service is excellent. It is not a fancy place and the prices are set accordingly. Its a great location on PCH in downtown LagunaSpecial Features:
- Food excellentPattyDined on 6/3/2014We really enjoyed our meal at Tommy Bahama's. The food was excellent but very loud.Special Features:
- The following 197 reviews are from the Tommy Bahama Laguna Beach Bar & Grill reviews archive.
- "Can you hear me now?"DELIDined on 5/31/2014The food was good, the wait staff were fine, my friend got the wrong meal, but was given the correct one as a "to go". The restaurant is way too noisy and, though the live music was excellent, I would not have gone to have a nice conversational lunch with an old friend had I realized they had live music.
- Fun AtmosphereDiscerningDinerVIPDined on 5/30/2014Everytime I come here it feels like a party, fun place to hang out or meet up with friends. Great live music, just all around good time.Special Features:
- 949OC949Dined on 5/24/2014The butter fish is the best item on the menu. Very good! Artichoke appetizer was also very good. Service could have been much better. As a party of 2 we felt like we were ignorged over larger groups...maybe better tips with larger table?Special Features:
- Excellent ServiceTarheelDined on 5/24/2014Our server Bri was fantastic. She made great recommendations that were spot on. It made for a dinner both my wife and I enjoyed tremendously.Special Features:
- Great findLuluDined on 5/17/2014We had walked past this place a hundred times. Finally stopped and ate and we were all thrilled. Food was great, service was attentive, price good. A real find!Special Features:
- EnjoyableFortyDined on 5/12/2014Good food and atmosphere for a reasonable meal. Service was quick and helpful.Special Features:I would recommend this to a friend.
- Great summer lunch spotIslegirl24Dined on 5/11/2014Had a wonderful time at Tommy's.... It's so relaxed and laid back yet classy and sophisticated. Love the location great open windows make you feel like you're eating outside. Great for couples and even kids we brought our 8 month old baby and he had a great time.Special Features:I would recommend this to a friend.
- Mothers Day BrunchAvoidDined on 5/11/2014Mothers Day menu had 2 choices!! Everyday menu is pathetic Hostess and bar staff are clueless! I've been to two other TB restaurants (NB and Palm Dessert) and both are excellent. LB is a disaster. Will never go back.Special Features:
- chillOpenTable Diner Since 2013Dined on 5/10/2014I loved the food, the atmosphere,music and just overall ambiance was great.Special Features:I would recommend this to a friend.
- Tommy Bahama Anniversary DinnerOpenTable Diner Since 2011Dined on 4/12/2014We ordered the artichokes for an app, it was a whole artichoke and it was so tender I almost ate it all. Including the tougher, outside leaves! My husband ordered the Kalua pig sandwich, and it was piled high with meat and served with a side of fries. He can't stand it when the smokey flavor overpowers the meat, or if it's too dry. This was just perfect and it was big enough for his big appetite! I ordered the Hawaiian butterfish. I've never had butterfish before, and for sure I will be ordering it again. It was served in a bed of coconut rice with baby bok choy and shiitake mushrooms. It was so flaky and moist it was almost like sashimi. Service was right on point too. Marie was super sweet, and very attentive. Will be back!!Special Features:
- NIce place for a casual dinnerOski65VIPDined on 4/6/2014Sunday evening 6:00 p.m. Tables full but our reservation honored. Live music, solo singer/guitarist. Had a couple of beers and ordered blackened fish tacos and Hawaiian butterfish. Three tacos were very filling and tasty, not blackened much and not very spicy. Fried plantains in lime sour cream were almost like dessert. Butterfish was very mild and cooked perfectly. On a bed of brown rice with mushrooms and a bit of mango salsa. Julienned carrots and baby bock choy and beurre blanc sauce. A bit sweet but not overpowering. No room for dessert Service was good; seated immediately, drink order taken quickly and served promptly, food served after a brief wait. All in all, a nice casual dinner, good food and service fairly priced.Special Features:I would recommend this to a friend.


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February 11, 2014
It's time to get covered. February 15 is National Youth Enrollment Day, a day for young adults to learn about the importance of health insurance and enroll in a plan. If you still haven't signed up, this is the perfect date to do so.
Blue Cross and Blue Shield of Texas (BCBSTX) wants young Texans to stay healthy. Enrolling in a plan by February 15 means that you'll be covered starting March 1, 2014. But if you're a young adult, there are plenty of other reasons to sign up now:
Remember that up to age 26, you can stay on your parents' insurance. But whether you have insurance or not, you can still take part in National Youth Enrollment Day.
A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.
© Copyright 2014 Health Care Service Corporation. All Rights Reserved.


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Over the past three years of Arab revolutions, Kuwait's foreign policies have shifted drastically, reflecting a change in its approach toward the region. During the 18 days of the Egyptian revolution, Kuwaiti authorities warned against protests at home, while attempting to remain neutral in their comments about President Hosni Mubarak's future. Mubarak's eventual downfall was no doubt worrisome to his Kuwaiti friends, among them the ruling family, investors and nationalists.
The Egyptian army's role in the liberation of Kuwait after its invasion by Iraq was seen as courtesy of Mubarak, but the coup d'etat that took place in Egypt on July 3, 2013 showed that Mubarak was not Kuwait and the Gulf states' only favored star. The oil countries rushed to offer their moral and financial support to the new potentate, Gen. Abdel Fattah al-Sisi, employing the rhetoric of Arab nationalism. Kuwait's changing stance in regard to Egyptian politics reveals much about the country's political conflicts and fears.