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Why logbook loans can offer quick financial assistance
In the current economic climate, more people need financial assistance especially as the recession continues to bite on the UK economy. The guardian published a recent story highlighting there is some evidence of UK economic recovery however it is unlikely that this will help the average person at present. The government continues to enforce austerity measures in an attempt to reduce the country's debt. So really what options are available for the average person looking to generate some extra cash? High street banks are much stricter on lending so for those who have bad credit, getting assistance from your local bank is pretty much impossible. As a result, payday loans have since grown in popularity through they have received much criticism especially as more and more people end up being in more debt than they were when they initially took out the loan in the first place. The main problem with payday loans is that the annual interest rates are extremely high with some companies charging annual rates of 4000%. Unfortunately there are many payday companies that are not officially regulated and lend to those who really cannot afford the repayments. Payday loans are short term loans so if the money is borrowed for a short period, they can be a good option as the interest rate is much lower.
Another finance option that has grown in popularity over the last 18 months is Instant logbook loans. A logbook loan is a secured loan that is borrowed against the value of an owner's car. They generally work by a person using their car as collateral. The logbook loan provider will keep the car owners logbook during the repayment period. Once the loan is paid in full then the logbook is returned to the car owner. Instant logbook loans are generally what they say they are which is cash immediately. There are a few stipulations which are that the car must be free of finance and the logbook should be in the name of the person looking to borrow the money.
As the borrower is using their car as collateral, these loans will be approved even if a person has a bad credit history. This is one benefit that has continued to make logbook loans a popular choice for those looking to get some financial assistance. Everybody at some stage of their life will find it difficult financially and Instant logbook loans really offer a quick and easy solution. These types of loans are short term finance options and should be taken out for a maximum of 1 to 7 months. Like most bad credit loan options, interest rates are much higher if the loan is taken out for a longer period of time. Should you experience money problems in the future then considering instant logbook loans could offer some relief in the future?
This post was brought you by http://www.findloans4u.com. They provide useful advice and assistance for those who are looking to apply for logbook loans. They offer guidance and information on the application process.


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Quick Seared Tuna Steaks
More From Oxmoor House
Nutritional Information
Amount per serving
- Calories: 203
- Calories from fat: 0.0%
- Fat: 4g
- Saturated fat: 0.9g
- Monounsaturated fat: 0.0g
- Polyunsaturated fat: 0.0g
- Protein: 38g
- Carbohydrate: 1.2g
- Fiber: 0.1g
- Cholesterol: 80mg
- Iron: 2.2mg
- Sodium: 512mg
- Calcium: 52mg
- 1/4 cup dry sherry
- 2 tablespoons low-sodium soy sauce
- 1 tablespoon fresh lime juice
- 2 teaspoons olive oil
- 4 (6-ounce) tuna steaks (about 1 inch thick)
- 1/2 teaspoon coarsely ground black pepper
- 1/4 teaspoon salt
- 1. Combine first 3 ingredients in a small bowl, stirring well with a whisk. Set aside.
- 2. Heat oil in a large nonstick skillet over medium-high heat. Sprinkle steaks with pepper and salt; add steaks to pan. Cook 4 minutes on each side or until steaks are medium-rare or desired degree of doneness. Transfer to a serving dish, and keep warm. Pour sherry mixture into pan. Cook 1 to 1 1/2 minutes or until reduced to 2 tablespoons, stirring to deglaze pan; pour over steaks.
- carbo rating: 1
My Notes
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Quick Seared Tuna Steaks Recipe at a Glance
- COURSE: Main Dishes
- MAIN INGREDIENT: Fish
- DIETARY CONSIDERATION: Diabetic, Low Calorie, Low Saturated Fat, Gluten-Free
- PUBLICATION: Oxmoor House
More Recipes Like This
Tuna Steaks with Grilled Scallions and TomatoesReal Simple
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Chamilia - sterling silver floral bead
Product code: 6803296
- £5
- save £20
was £25
- Out Of Stock
- Return within 30 days for full refund or exchange
Product information
An elegant sterling silver floral bead from Chamilia. Discover all the ways to express yourself with one of a kind jewellery that reflects your life and experience. Inspired by your personal sense of style, Chamilia jewellery is as unique as you are.
Chamilia - Your Life Your Style
- Brand
- Chamilia
- Material
- Silver
- Model number
- Height
- 1 cm
- Width
- 1 cm
Customer Reviews
Chamilia - sterling silver floral bead 2 2
this product has an elegant appearance I bought my teenage grandaughters one of these beads each. In retrospect I think that this bead is more suitable for an older woman 10 November 2011
Large but pretty Really nice bead, looks nice on the bracelet. Would recommend :) 19 October 2011
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Some things will just never change. That's kind of the mentality of the week in the sports world. One thing that's eternal is that of the Cleveland sports curse. The cursed city's last champion (1964) franchise rears its ugly head. Asinine doesn't even do it justice, as the Cleveland Browns trade Trent Richardson to Indianapolis. While the Colts add another young stud, to keep the present and future bright, the Browns ship off their best asset for a first round pick.
Mike "the Buzz-Saw" Asti and George "the Howitzer" Gerbo tee off on the NFL's laughing stock cursed franchise. Mike, our resident heel and Cleveland curse appreciator, soaks up the joy of a truly head scratching move. But Mike also tries to rationalize the move.
Another recent American tragedy, the shootings at the Navy base in DC, shook the foundation of the country again. Sports can serve as a diversion and galvanizing effect, when they're ALLOWED to be. The Washington Nationals were presented Navy hats to tribute to their fallen fellow DC citizens. They were not permitted to wear them during a game. Should the Nats have fought more for the cause? What's MLB's problem with such caps? Our guys provide perspective, stemming from a Keith Olbermann rant.
AL-A-BAM-A, Johnny Manziel, and all that is college football, as well as, another week in the HBS NFL Pick 'Em Challenge conclude another gold quality show.
You can try to pin them down. You won't succeed. It's the Howitzer and Buzz-Saw Show! Defiant to the end, and conquering sports radio, one day, at a time…


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Check Rates
Best Fishing Times 4:58AM to 6:58AM
Alternate Fishing Times 12:48PM to 2:48PM
Fishing Hemming Bay, BC on 10/1/2014 will be best from 4:58AM through 6:58AM. If that time won't work for you, 12:48PM to 2:48PM looks promising. Remember to adjust these times based on barometric pressure, and weather changes.
Designed and developed in the USA with help from our Canadian friends
© 2014 HookandBullet.com. All rights reserved.


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Reader Comments (Page 1 of 1)
I tend to be on the side of free speech... that being said, no one is forcing you to stay with that group or even play WoW if you're offended by the chat.
I neither condone or particularly enjoy trollish chat but I think the problem is who decides what is offensive. I've meet some really nice people on WoW but some seem to take the slightest offense at any opportunity.
I'll freely grant that I can be an insensitive jerk at times (read: male).. :D
Hmm yea I sort of agree with you, while the behavior is really poor, its not all that uncommon and its the type of thing anyone should just walk away from if they don't like it, or choose to ignore it. Ignoring the person as suggested is fine, its doing your dilligence to prevent future groupings.
IMO making a ticket over this type of behavior is a waste of blizzard's already totally backed up time. They are overloaded with people's tickets from hacked accounts, so you'll just end up feeling diminished in your effort for justice when nothing gets done about it.
I agree, sort of.
While I tend to stay away from the F-bomb, My friend and I were once in an OS PuG bak in the day nad he dropped the F-bomb in Raid chat. While the F-bomb was aimed towards the boss, the raid leader kicked him almost instantly.
In my experience, some people take to much offence onto online commentary. One of my "rules" is to hardly ever take anythign serious on the internet. While WoW may different with its wide variaty of age groups this rule should still hold somewhat true.
If you don't like the language, turn the language filter on.
If you don't like the player, /ignore them.
If you can't stand the slightest F-bomb or minor curse word (such as "ass" which is typically commonly used in olde style games) then you shouldn't be playing this game in my opinion.
Just my 2 cents.
People often think of WOW as the USA for some random reason. That they have the same rights in game as they do in America. Well here's a quick news flash- YOU DON'T. As soon as you agree to the terms of service that whole ''freedom of speech i can say whatever i @#% want to'' becomes obsolete. You are in the World of Warcraft in game people. Different rules, and guess what- YOU agreed to them. And signed a legal document saying you agreed to them. So, just play nice and try and not act like you can get away with anything under your virtual identity.
Free speech works both ways. You have the right to say pretty much anything you want, and I have the right to tell you you're an asshat for saying it.
For the millionth time, you're free to speak your mind without legal consequences. You are not free to speak your mind without social consequences. And that's something that doesn't even apply in a game where you've agreed to the Terms of Service, which have a paragraph quoted above that boils down to "don't be an asshat."
Yes, you can walk away. I do, or better yet, I avoid PUGs altogether. But there's no oppression of free speech going on when someone turns to someone else and tells them they're making an idiot of themselves, or god forbid reports them for violating the rules of the game. People who can't be bothered to think of how their words affect others because they want to say something dumb and nothing's going to stop them are no different from that DPS DK in your random group that refuses to take off Frost Presence for no good reason other than that he likes it there. There's no need to pretty up disregard for others or a desire to offend by pretending it's a noble exercise of your right to free speech.
Freedom of speech only works in public areas. You want to rally in the streets? Public area, freedom of speech will protect what you say (unless it's hate speech and the like). You want to rally inside a mall? Private property, and freedom of speech doesn't have to protect you there.
The same concept applies to the internet. Because you're playing on Blizzard's servers (private property), freedom of speech doesn't protect any damn thing that you have to say. Oh, and there is the Terms of Use thing that you agree to when you first signed up to play WoW (and after every major patch) that basically states that Blizzard reserves the right to moderate all your bullshit, and if you don't like it then you can either stop playing or have your account banned.
Have fun being jerks!
"Free speech" doesn't apply in-game, just as it doesn't apply on forums. It's not a democracy. If you are reported and the GM finds your "free speech" violating said Terms of Use (take the time to read it, lots of useful information there) you may find your account permanently closed.
Also, take some time to research what "free speech" REALLY means, since you obviously fail to grasp the concept.
Even as an issue of free speech under US (or Canadian, or EU, etc) law (which WoW isn't obviously, but let's just go with it) there are provisions for things like verbal harassment - you have freedom of expression with freedom of consequence. If your coworker told you to finish that report or they'd rape you, they'd be fired or arrested, so a PuG player that does similar things should be vote kicked (fired) or banned (arrested).
I understand the appeal of offensive humor (hell, that's basically all South Park is and I like that show), but it's important to remember that offensive humor that someone doesn't find funny is just being offensive.
To condone a threat against a gender is not and never will be acceptable behavior in public or private. Women are in constant threat of these actions and if you have been or have met a victim of rape you would scrub that offensive word from your vocabulary. I am appalled that some of these comments are minimizing the context of this article.


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Anybody who can hide porn from three wives is a mastermind
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text: You are beautiful. Don't you forget it 0‿0 You are beautiful. Don't you forget it 0‿0 Description Loading. Please wait... 13 Took me 1 and a half hours… It looked better when it was 2cm away from my face k? Posted 2 years agoAccumulated 13 notesFiled under me, summers-by-the-sea reblogged this from itssofluffy-im-gonna-diecrookfish likes thisdonotbelikeme likes thisharleyandhearts reblogged this from itssofluffy-im-gonna-diethisaintahlovesong reblogged this from itssofluffy-im-gonna-dieharrison-cigars likes thisarreloko reblogged this from itssofluffy-im-gonna-dieyourboyfriendsfave reblogged this from itssofluffy-im-gonna-diec0ld-kittens reblogged this from itssofluffy-im-gonna-diec0ld-kittens likes thischreux said: swaaagswagswaaagcocoabutterkissez likes thiswhitedad likes thisboodlicious likes thisitssofluffy-im-gonna-die posted this Message • Archive • Nudes ;) •FAQ •Polyvore •MEEEE •  youtube • ©


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Nationalist Camp Grows to 76 seats in Recent Poll, Likud Opens Big Lead with 39 Seats
The nationalist camp grows to 76 seats according to a poll conducted by Professor Avi Degani, President of the Geocartography group, on February 17, 2012. Prime Minister Netanyahu's Likud jumps to a term-high 39 seats, surpassing his previous high of 38 in early January. Foreign Minister Liberman's Yisrael Beitenu finishes second with 13 seats, a drop of two from their current position and a seat above their term-low 12. Opposition Leader Livni's Kadima, which is in the middle of a primary battle, drops to 12 seats, a loss of more than half of their current seats. Labor captures 12 seats as well, and Shas rounds out the top five parties with nine seats. Former journalist Yair Lapid's party drops to six seats, its lowest showing since September. If the National Union and Jewish Home would merge before elections, the poll places them as the fifth largest party with ten seats. According to the poll, Netanyahu could form a coalition of 62 seats with Liberman, National Union and Jewish Home without the need for any ultra-orthodox or center-left parties.
If elections were held today who would you vote for?
Current Knesset seats in [brackets]
39 [27] Likud
13 [15] Yisrael Beitenu
12 [28] Kadima
12 [08] Labor
09 [11] Shas
06 [---] Yair Lapid Party
05 [04] National Union
05 [03] Jewish Home
05 [05] Yahadut Hatorah/UTJ
04 [03] Meretz
10 [11] Balad, Hadash and Ra'am-Ta'al
00 [05] Independence
About the Author: Jeremy Saltan is Bayit Yehudi's Mevaseret Tzion Party Branch Director and a Central Committee Member. Jeremy served as Bayit Yehudi's English Speaking Campaign Manager in the past election. Visit Jeremy's blog, www.knessetjeremy.com.
If you don't see your comment after publishing it, refresh the page.
Our comments section is intended for meaningful responses and debates in a civilized manner. We ask that you respect the fact that we are a religious Jewish website and avoid inappropriate language at all cost.
If you promote any foreign religions, gods or messiahs, lies about Israel, anti-Semitism, or advocate violence (except against terrorists), your permission to comment may be revoked.


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My parents were booked on my actual birthday, which was Saturday, so they took Andy and I to dinner at Frisson on Friday. I'd been desperate to get to Frisson (pronounced, of course, free-Zon) for some time, having read about it constantly and watched my hippest friends drool when discussing it. I'd religiously peruse the website at work and obsess over every aspect, (particularly loving the incredible free web soundtrack) I found the place the place THAT cool.
They asked one more time. Where did I want my folks to take me for my birthday.
Frisson. Definitely Frisson.
We picked up Andy and headed to the financial district, finding a traffic jam building on the 200 block of Jackson. Like out of a movie, luxury cars and well dressed pedestrians came to a halt in front of a low lit, modern doorway.
"What's all this?" my mother asked from the front seat.
"What do you think it is? This is Frisson!"
Andy and I leapt out of the car like overly excited unsophisticates as mom switched handbags and dad dealt with valet. I walked down the hallway and up to the hostess. "Hi. We have an 8:15 reservation for four. I'm Beth."
She looked at her little computer.
"Happy Birthday! You're table will be ready shortly. Would you like to hang out in the bar? I'll come find you."
"Fabulous! Thank you!"
We walked along the circular orange and pink colored dining room, past the DJ and into the bar, marveling at the famous and giant Catherine Wagner photograph of champagne bubbles. Getting the stunning bartender's attention amidst perfect San Franciscans was challenging, but it didn't matter. Everyone just stood around acting cooler than the next person. With drinks finally in hand, my mother sipped her Chardonnay and looked around. "My god. I'm the oldest person in here by 30 years."
She had a point. Even in the dining room, where your stock portfolio dictates your table location, it was the 30-something, perfectly dressed, rich people area. Everyone was way cooler than us and of course, acted like they didn't care. I was so excited, I was practically jumping up and down. I tried to play it cool.
I spotted a woman with gray hair. "Over there, mom! She's old."
Mom sighed over the music. "I can't see that far."
The hostess found me in the bar. I watched her flawless figure walk towards us, marveling at the drape of her strapless black cocktail dress, the sparkle from her chic vintage rhinestone earrings, even the perfect bounce of her perfect blonde hair. "Hey Beth. I know it's your birthday and I know you want a fabulous table. So, I've saved you the best table in the room, but they're taking their time leaving. I can seat you right now at a lesser table or you can wait for the perfect table. It's up to you."
I looked at my family. "It's your birthday, Bethy. Let's wait for the table."
Ah, my family knows me so well.
We ended up waiting an hour for the table and we couldn't have cared less. They made us feel good about it, like they were doing us some big favor. And apparently they were. When you go to Frisson, you wait, darling.
Lo and behold, when perfect hair hostess came and got us, we were ushered to THE table, a swank booth with a view of everything and everyone. As we walked into the dining room, mom passed a Prada-suited, serious looking, trendy haired man. He nodded at her. She nodded back. She then looked at me and burst into laughter. "This place is a trip."
Well, it couldn't be that much of a trip. Jet-set Joanne follows that with, "It kind of reminds me of the Hudson."
Oh really? Does it remind you of the Hudson, Manhattan's fabulous roof-top bar at the fabulous Hudson Hotel?
Dad ordered wine as we perused the menus. "What are you having, Andy?"
"Hmmm. I don't know. Maybe the mixed field greens and the chicken?"
His dining companions flipped.
"You can't order that!"
"Look at this menu!"
"Go crazy, Andy! Seriously. You can't get field greens."
He looked at me. "Well, what are you starting with?"
I couldn't help myself. "The fois gras pb&j."
"It comes with quince marmalade, dahling."
The wine arrived, and with it, an adorable wine man. He looked at me and subtly smiled. "Happy Birthday."
God, I love my birthday.
Dad tested the wine, and deemed it fine. Wine man poured. We sipped.
"Oh my god, this wine is fantastic!"
"Jesus, Dick. This is great wine."
"Seriously. This is spectacular. What a difference from the Chardonnay at the bar. This is great."
Suddenly experts, we couldn't stop talking about this fantastic wine, feeling hip and sophisticated, like we knew what we were talking about. Then, my father made his toasts. As I retold this tale to Alex in Denver today, he responded, "That's so dad. When dad has something he really wants to say, he's got to say it in his grandiose way. I dig that."
We sat in the circular dining room and I watched my father from across the table. He raised his glass. "To Beth. I have been blessed with the best daughter I could ever ask for. Happy Birthday, Bethy. I love you."
Click glasses. Sip wine.
But he continued.
"And to Andy." Raise of glasses again. "Andy, I always enjoy myself with you. Whenever Andy comes over, I know we're going to have a great time. You're really part of this family. It's a pleasure, Andy."
"Thanks, Dick."
Clink glasses. Sip wine.
Dad spoke up again. "I'm going to the restroom."
We perused the menu until he returned and saddled into the booth. "So, everyone MUST go to the bathroom."
"Just trust me. Everyone must go to the bathroom."
We ordered.
Andy still got his chicken, but started with a complex cheese plate instead of field greens. "They've got quince butter. I must have my quince buttah, dahling."
The food was tiny but spectacular. I actually adored my fois gras pb&j. Andy got up to go the bathroom, as my mother noticed an older gay couple walking in. "Oh, they're older than me! Thank god!"
We watched them sit down.
"See, see? They're older than us, Dick."
"Uh, Joanne. Not only does he have a cane, he's missing an arm."
My biggest problem was their outfits, but I kept my mouth shut. Andy returned.
"My god. You girls have to go to the bathroom."
Uh, Okay.
Our entrees arrived, and they were so appallingly little, my butternut squash risotto looked like Barbie food. But who cares? Every bite was heaven. Mom got up to go to the bathroom.
"God." I whined. "Everyone's obsessed with the bathroom. Why?"
"We're not telling you. You have to go."
Mom returned. "That was really strange. I can't believe this place! God, that was so weird."
Dessert came ages later, in the form of huge plates full of apples and chocolate and streudel-y things. Dad sipped his brandy and paid the bill. It was finally my turn to explore this mysterious bathroom. I excused myself. "Just go to the elevator." They said. "You'll figure it out."
I wandered through the dining room, finding an elevator behind a panel of opaque champagne colored glass. My only choice was down, and I rode the single story ride is breathless anticipation. This had better be good, what with my entire table in a frenzy over the magical facilities.
The elevator doors opened.
I emerged into a darkly lit room, a slim, wine colored hallway to my right, and another Prada-suited man to my left. He looked at me. "I believe there's a free stall right over there."
It appears the elevator at Frisson goes directly into the bathroom, folks.
The unisex bathroom.
I walked into the stall as directed, closed the door, looked at myself in the door mirror now facing me and laughed. This is insane. An elevator to the unisex bathroom.
I emerged and was guided to the candle-lit, communal washing trough. House music filled the room as an array of us, men and women, stood confused around the sick.
How the hell do you turn the water on?
They've got a guy for that, too.
"Just push this lever, ma'am. Right here, sir."
Oh my god.
I took the huge bathroom elevator back up, and emerged again into the main room of Frisson. A gorgeous man stopped me and inquired, "Is this the elevator to the restroom?"
"Yes it is. And it's bizarre."
He looked excited. "Fantastic."
We gathered our coats and pushed out way past the hordes of people still waiting to get in. Valet had the car ready and we slipped inside, feeling fabulously cool and stuffed. "That was marvelous." I sighed. "Thanks, guys."
Andy giggled in the backseat and fell onto my shoulder.
"God, that was fabulous. Nothing goes with quince buttah like a unisex bathroom, dahling…"
Sunday, January 29, 2006
what the hell is a quince...
5 comments:
- Elliot said...
You know it's a fruit, right?
- Spots said...
Well, yeah. But I don't think I've ever gone to the grocery store because we ran out of quince(s). I don't even know it's plural form!
- Miss Anthrope said...
What is a quince, anyway?
It's a kind of fruit. A cross between a pear and an apple. I consider myself a sufficiently educated person and I had to google it.
I have been looking for sites like this for a long time. Thank you! »
Subscribe to: Post Comments (Atom)


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carl craig
11:50am | URL: http://tmblr.co/ZjjHtxGSi9A0
(Notes: 8)
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- projectionofme posted this
"leadership is diving for a loose ball, getting the crowd involved, getting other players involved. it's being able to take it as well as dish it out. that's the only way you're going to get respect from the players." - larry bird
"you cannot isolate yourself from the crowd - even if you want to." - ivor novello
carl craig


text: RokForm Rokgard iPhone® 4/4S Screen Protector Kit Keep your smartphone safe from scratches Zoom iPhone not included Photos Videos Item #: 042RF4SPRO Be the first to write a review DISCONTINUED This item is no longer available to purchase. Contact us for other options Call Email Original price $18.99 Shop all Smartphone & Tablet Extras Shop all Smartphone & Tablet Extras x By buying this product you'll earn up to 19 Rewards points. When you sign up for a Crutchfield account, you'll be enrolled in Crutchfield Rewards. You'll earn one point for every dollar you spend on gear from us. You can turn your points into Rewards Cards that you can use toward future purchases. You can sign up for an account now, or after you complete your purchase (you'll get credit for the points either way). Sign up for a Crutchfield account Overview Customer Reviews Articles & Videos Our take on the RokForm Rokgard iPhone® 4/4S Screen Protector Kit by Dominic Devito Preserve your phone Keep the front and back of your iPhone 4 or 4S safe with this Rokgard screen protector kit from RokForm. The front protector offers a clear view of the display and doesn't affect touchscreen sensitivity at all, so you can pull up your apps and zoom photos just as easily as you did before. And each protector's free of residue or adhesive so you won't have to worry about any gunk if you decide to remove them. RokForm cut these protectors to fit your iPhone's front and back surfaces perfectly, and at 0.0045" thick each, they'll still allow your phone to fit in just about any case out there. Enjoy bubble-free protection from scratches and abrasions to help prolong the life of your phone. Highlights:screen protector kit for iPhone 4/4Sincludes 2 front screens, 2 back screens, cleaning cloth, and squeegeeeach screen protector measures 0.0045" thickwarranty: 1 yearOur 60-day money-back guarantee Be the first to review this product Submit a review and then enter to win a $500 rewards card Review this product: Thanks for taking the time to share your experiences about this product. Please be sure to focus your comments on the product itself. Read our Review Guidelines for more information. Review title * Email Your email won't be visible. Please use the email address that is associated with your order. Display name (e.g., JohnD) Your review will be signed using the display name and location * Your location (e.g., Charlottesville, VA) * Your rating Click on a star to rate the overall product on a scale of 1-5 1500 characters left * Your review Attach a YouTube Review Crutchfield Video Review Guidelines Only submit videos that you made or are authorized to use. Do not submit videos that contain music, video or visuals that are copyrighted and belong to someone else. Please see our Review Guidelines for more information. Submit the URL of your YouTube™ video review or product demonstration. e.g., "http://www.youtube.com/v/o79TWHh598U" 500 characters left Pros 500 characters left Cons * Agree to Terms By checking this box you agree your review becomes the property of Crutchfield, that you are over 18 years of age, that you own or have owned this product, and that you are located within the United States or its territories. Please see our Review Guidelines for more information. We reserve the right (but are not obligated to) review all submissions and edit or remove any review in any manner which we deem necessary. Your review should be posted within seven days. For a more in-depth review and enhanced detailed information on the RokForm Rokgard iPhone® 4/4S Screen Protector Kit, please visit the Crutchfield website product page (/ISEO-rccbcspd/p_042RF4SPRO/RokForm-Rokgard-iPhone-4-4S-Screen-Protector-Kit.html ). x Sorry, the RokForm Rokgard iPhone® 4/4S Screen Protector Kit is no longer available for purchase. Looking for a similar item? Shop Smartphone & Tablet Extras Or, you can still... Write a review Go × iPhone not included


text:
1642 Harmon Street has a Walk Score of 83 out of 100. This location is Very Walkable so most errands can be accomplished on foot.
1642 Harmon Street is an eight minute walk from the Fremont - Richmond Richmond and the Richmond - Daly City/Millbrae Millbrae at the Ashby stop.
This location is in Berkeley. Nearby parks include Greg Brown Park, Grove Playground and Grove Recreation Center.
Nearby schools include Malcolm X Elementary School, Shelton's Primary Education Center and Sankofa Academy.
The closest grocery stores are Alcatraz Market, J & B Fine Foods Market and N & H Market.
Nearby coffee shops include Sweet Adeline Bakeshop, RASA CAFFE and Take 5 Cafe and Gallery. There are 23 restaurants within a 15 minute walk including Easy Creole, Dial Chef Catering and Giin Thai Canteen.
1642 Harmon Street is near University of California - Berkeley.
There are excellent bike lanes and the terrain is flat as a pancake. 1642 Harmon Street is a Biker's Paradise, daily errands can be accomplished on a bike.


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Feeling like there are too many pressures and demands on you? Losing sleep worrying about tests and schoolwork? Eating on the run because your schedule is just too busy? You're not alone. Everyone experiences stress at times — adults, teens, and even kids. But there are ways to minimize stress and manage the stress that's unavoidable.
Stress is a feeling that's created when we react to particular events. It's the body's way of rising to a challenge and preparing to meet a tough situation with focus, strength, stamina, and heightened alertness.
The events that provoke stress are called stressors, and they cover a whole range of situations — everything from outright physical danger to making a class presentation or taking a semester's worth of your toughest subject.
The human body responds to stressors by activating the nervous system and specific hormones. The hypothalamus signals the adrenal glands to produce more of the hormones adrenaline and cortisol and release them into the bloodstream. These hormones speed up heart rate, breathing rate, blood pressure, and metabolism. Blood vessels open wider to let more blood flow to large muscle groups, putting our muscles on alert. Pupils dilate to improve vision. The liver releases some of its stored glucose to increase the body's energy. And sweat is produced to cool the body. All of these physical changes prepare a person to react quickly and effectively to handle the pressure of the moment.
This natural reaction is known as the stress response. Working properly, the body's stress response enhances a person's ability to perform well under pressure. But the stress response can also cause problems when it overreacts or fails to turn off and reset itself properly.
The stress response (also called the fight or flight response) is critical during emergency situations, such as when a driver has to slam on the brakes to avoid an accident. It can also be activated in a milder form at a time when the pressure's on but there's no actual danger — like stepping up to take the foul shot that could win the game, getting ready to go to a big dance, or sitting down for a final exam. A little of this stress can help keep you on your toes, ready to rise to a challenge. And the nervous system quickly returns to its normal state, standing by to respond again when needed.
But stress doesn't always happen in response to things that are immediate or that are over quickly. Ongoing or long-term events, like coping with a divorce or moving to a new neighborhood or school, can cause stress, too.
Long-term stressful situations can produce a lasting, low-level stress that's hard on people. The nervous system senses continued pressure and may remain slightly activated and continue to pump out extra stress hormones over an extended period. This can wear out the body's reserves, leave a person feeling depleted or overwhelmed, weaken the body's immune system, and cause other problems.
Although just enough stress can be a good thing, stress overload is a different story — too much stress isn't good for anyone. For example, feeling a little stress about a test that's coming up can motivate you to study hard. But stressing out too much over the test can make it hard to concentrate on the material you need to learn.
Pressures that are too intense or last too long, or troubles that are shouldered alone, can cause people to feel stress overload. Here are some of the things that can overwhelm the body's ability to cope if they continue for a long time:
Some stressful situations can be extreme and may require special attention and care. Posttraumatic stress disorder is a very strong stress reaction that can develop in people who have lived through an extremely traumatic event, such as a serious car accident, a natural disaster like an earthquake, or an assault like rape.
Some people have anxiety problems that can cause them to overreact to stress, making even small difficulties seem like crises. If a person frequently feels tense, upset, worried, or stressed, it may be a sign of anxiety. Anxiety problems usually need attention, and many people turn to professional counselors for help in overcoming them.
People who are experiencing stress overload may notice some of the following signs:
Everyone experiences stress a little differently. Some people become angry and act out their stress or take it out on others. Some people internalize it and develop eating disorders or substance abuse problems. And some people who have a chronic illness may find that the symptoms of their illness flare up under an overload of stress.
What can you do to deal with stress overload or, better yet, to avoid it in the first place? The most helpful method of dealing with stress is learning how to manage the stress that comes along with any new challenge, good or bad. Stress-management skills work best when they're used regularly, not just when the pressure's on. Knowing how to "de-stress" and doing it when things are relatively calm can help you get through challenging circumstances that may arise.
Here are some things that can help keep stress under control:
Take a stand against overscheduling. If you're feeling stretched, consider cutting out an activity or two, opting for just the ones that are most important to you.
Be realistic. Don't try to be perfect — no one is. And expecting others to be perfect can add to your stress level, too (not to mention put a lot of pressure on them!). If you need help on something, like schoolwork, ask for it.
Get a good night's sleep. Getting enough sleep helps keep your body and mind in top shape, making you better equipped to deal with any negative stressors. Because the biological "sleep clock" shifts during adolescence, many teens prefer staying up a little later at night and sleeping a little later in the morning. But if you stay up late and still need to get up early for school, you may not get all the hours of sleep you need.
Treat your body well. Experts agree that getting regular exercise helps people manage stress. (Excessive or compulsive exercise can contribute to stress, though, so as in all things, use moderation.) And eat well to help your body get the right fuel to function at its best. It's easy when you're stressed out to eat on the run or eat junk food or fast food. But under stressful conditions, the body needs its vitamins and minerals more than ever. Some people may turn to substance abuse as a way to ease tension. Although alcohol or drugs may seem to lift the stress temporarily, relying on them to cope with stress actually promotes more stress because it wears down the body's ability to bounce back.
Watch what you're thinking. Your outlook, attitude, and thoughts influence the way you see things. Is your cup half full or half empty? A healthy dose of optimism can help you make the best of stressful circumstances. Even if you're out of practice, or tend to be a bit of a pessimist, everyone can learn to think more optimistically and reap the benefits.
Solve the little problems. Learning to solve everyday problems can give you a sense of control. But avoiding them can leave you feeling like you have little control and that just adds to stress. Develop skills to calmly look at a problem, figure out options, and take some action toward a solution. Feeling capable of solving little problems builds the inner confidence to move on to life's bigger ones — and it and can serve you well in times of stress.
Ever notice that certain people seem to adapt quickly to stressful circumstances and take things in stride? They're cool under pressure and able to handle problems as they come up. Researchers have identified the qualities that make some people seem naturally resilient even when faced with high levels of stress.
If you want to build your resilience, work on developing these attitudes and behaviors:
Learn to think of challenges as opportunities and stressors as temporary problems, not disasters. Practice solving problems and asking others for help and guidance rather than complaining and letting stress build. Make goals and keep track of your progress. Make time for relaxation. Be optimistic. Believe in yourself. Be sure to breathe. And let a little stress motivate you into positive action to reach your goals.
Reviewed by: D'Arcy Lyness, PhD
Date reviewed: May 2013
Note: All information is for educational purposes only. For specific medical advice, diagnoses and treatment, consult your doctor.
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Homeowners: Could this save you thousands in just a few hours?
Published on - June 17th, 2014 (by April Dykman)
This article is by staff writer April Dykman.
You know all those great tactics to save huge chunks of cash — the tactics that don't require you to scrimp and save? I'm talking about things like lowering the APR on your credit card or getting a better deal on your car insurance — paying less for the stuff that's kind of a drag to pay for in the first place.
Well, as a new homeowner, I've been working on lowering one of those no-fun expenses: property taxes.
Two weeks ago, I wrote about how I was surprised that my assessed house value was 31 percent higher for 2014 than it was in 2013 — and that I had filed the paperwork to protest that assessment.
Flash forward to today, and I have a hearing scheduled for next month. As I mentioned, I'm a new homeowner, so this is my first experience with protesting property taxes. But being my father's daughter, I consider it an absolute must-do. My dad takes pleasure in this process and actually seemed to be a little bummed that he didn't have to protest this year because his taxes stayed the same. I half suspect that the county officials just wanted a year off from meeting with my dad.
So, not only did I file a protest to save money, but I also had to do it so I could proudly update my father on the state of my property taxes. I think he's living vicariously through me this year. But, as it turns out, when it comes to fighting the property tax fight, I'm in the minority. I guess the vast majority of homeowners don't have a tax-fighting father to please?!
"Typically, fewer than 5 percent of taxpayers challenge their assessments, even though the majority who do so win at least a partial victory when properly prepared," according to the National Taxpayers Union (NTU). "Statistics vary by area, but experts estimate that between 30 and 60 percent of taxable property in the United States is over-assessed, and this leads to higher property tax bills. Middle- and lower-income taxpayers are among the most often over-assessed."
That means that many taxpayers are paying thousands of dollars more than they should. And the kicker is, many times protesting taxes is a fairly simple process. For instance, an NBC News article reported that one homeowner successfully protested his taxes, "pinning his home's new market value at $381,600, a $109,000 drop. [The homeowner] saved $4,306 in taxes each year after a few hours of work and a 10-minute conversation."
So why do fewer than 5 percent of taxpayers challenge their assessments?
Many times, homeowners simply forget to do it. The deadline for filing a protest comes and goes. "'People forget they need to appeal,' said Barbara Payne, executive director of the Fulton County Taxpayers Foundation in Georgia, to NBC News. 'Everyone should have appealed more than once in the last five years or you're paying too much.'"
Other times, homeowners assume it's not worth their time. There's paperwork, gathering supporting documents, a hearing scheduled in the middle of their workday — and for what? Possibly for nothing, if the county refuses to budge.
And to some extent, the homeowners who think they won't save money are right, though not for the reasons they probably think. "Winning an appeal doesn't always save you money," according to the NTU. "Since property taxes account for nearly 45 percent of general revenue collected by local governments, municipalities make up the difference by raising taxes somewhere else — usually in the form of higher sales taxes."
You might not be able to directly control your sales taxes, but it's still in your best interest to make sure your property is being fairly assessed.
How to lower your property taxes
So granted, I'm a newbie to this process. But I'm nothing if not an avid Googler, so here's what I've gleaned from Kiplinger's guide, the NTU, and other sources.
Mark any deadlines for filing appeals on your calendar. I actually put these on my Google calendar as a recurring event. While it's possible for deadlines to change from one year to the next, the recurring event will at least serve as a reminder if I don't get an assessment notice for some reason. And that does happen. This year I didn't receive my assessment. It went to an old address left by the previous owner. Being a new homeowner, I was lucky that it randomly dawned on me that we hadn't received a tax assessment! If you missed the deadline this year, at least be sure to take this step for next year.
Check the accuracy of the assessment. Make sure the property description is accurate, the math works out, and that you are receiving all of the deductions you are entitled to. In my case, I saw that I hadn't received my homestead exemption, even though I filed the paperwork. I called the county and found out that they were simply behind on paperwork. In less than five minutes, the rep processed my homestead exemption paperwork.
Read the tax assessment guidelines. These are probably all online these days, making it easier than ever to familiarize yourself with how taxes are assessed in your area. For instance, I learned that in my county, property taxes can't increase more than 10 percent on a homestead from one year to the next (which is why I made sure they'd processed my homestead exemption). That was a point I included on my protest form.
Research comparable properties in your neighborhood. "Look at property cards for homes of similar age and square footage with the same number of bedrooms and bathrooms," writes Lisa Gerstner for Kiplinger. "You may be able to find the records on your assessor's Web site." If those homes are assessed considerably lower than yours, document the addresses and use those as evidence during your appeal. Also, if you recently purchased your home for much less than the assessed value, you can use your settlement statement as evidence.
Gather repair estimates and photographs. Gather inspection reports and any other evidence of problems in your home, things like roof damage, cracked foundations, plumbing issues, etc. "Remember that appraisals are often arbitrary guesses not based on site visits or specific information about a property," writes Dave Lieber for The Dallas Morning News. "That's where you come in. The appraiser who gave your property a value hasn't been inside your house and doesn't know what kind of problems you may have."
Fill out and submit the protest form, along with your supporting evidence. "Rules vary by locality, but your assessment letter should explain how an appeal works," writes Lieber. "You may be able to negotiate a settlement informally before the assessor completes the rolls and get a reduction right away. If you can't come to a settlement, be sure to pay your tax bill to avoid penalties or a lien on your home. You'll get a refund in some form if the county eventually approves your appeal — possibly a check or reduction in your bill in future years."
I'll be sure to update you on this process as I go through it; but in the meantime, I'd like to hear from you. How often do you protest your property taxes? If you've protested, what did you do to argue your case, and were you successful?
This article is about Hints and Tips, Taxes
Good luck April!
As a renter I'm blissfully ignorant to much of this for now, but I'm curious about a couple of items. The initial assessment you received, did it contain any justification, or was it just a number?
And, if you know, what is the method by which they will reassess the value? Will they pull a new number out of the air or does someone actually come to the property?
We've protested… Once shortly after we bought the house. That was successful (we said, we bought it at this price, home prices have only gone up 2%, we think 2% is justified, they said ok). Once after we had the house inspected for a refinance. That was also successful, they just took the inspection report number. The next year we tried arguing the 2% thing again and they said no, we'd have to get another home inspection.
Oddly, they've lowered our property taxes a couple of years when housing values went down. Of course, this year they're back way up again. The market is super tight in our neighborhood and zillow has an even higher assessment for the property, so we're not planning on arguing.
We don't own a home yet but will soon. This is great information that we can use in the future.
I will also send this information to my mother and see if she can lower her property taxes.
I would say arguing over missed exemptions is right but you have to be careful about arguing over the assessed value because it could go up and end up costing you.
We purchased a home last year and had our assessment go up about 15% from the previous year. The reason: we bought our house for quite a bit more than the city had it assessed (the people we bought it from did some major updates inside which would not have been taken into account by the Assessors). The other homes in our neighborhood have all been owned for at least 5 years, and most over 15, and have appreciated in value since their purchases(quite a bit in fact). As a result, if one of our neighbors goes to fight their assessment as being too high, they will likely have our assessment shown to them as being a "correct" amount for the neighborhood, which could increase their taxes.
We fought ours once shortly after we moved in – then locked in our homestead (which in FL caps YOY increases in assessed values at 3%) at the reduced rate. For us, the process took more than just a few hours… paperwork, prep work, taking time off work to present our case during a formal hearing downtown, but it was definitely worth it in the long run to do so. This details how we did it, including the valuation math.
In many areas, this quote:
"Also, if you recently purchased your home for much less than the assessed value, you can use your settlement statement as evidence."
may contradict step 3 – knowing and following the rules. Often, valuation dates are much further in the past than people realize. Our county uses Jan 1 as the valuation date, even though they don't send out their valuations until October at the earliest. That means any sale that took place between Jan 2 and October has absolutely no bearing on the valuation. This was what we encountered when we bought our house for around $130K in August and were facing a valuation almost double that two months later. But we couldn't use our sale as proof and had to find justification from the rest of the market, AND the justification had to stop 8 months before our sale closed.
This always confuses me. On the one hand I want lower taxes with a lower assessment. On the other hand I want my house to have a good value, in case I choose to sell it (I plan to stay for a while yet), so I want it to assess higher. If I prove my roof needs work or my furnace is old, my insurance stays higher (it was recently lowered because of these upgrades). Lesser of 2 payments…
See comment #15 below. The tax assessment is the "assessed" (not the same as "appraised") value of your home last year, and the market value is what somebody will pay today.
Sometimes, the assessment is just wrong, too! My parents' assessment last year said they'd converted an acre of lawn into a building, so their taxes had a huge jump. They hadn't changed anything! Unfortunately, they missed the date to challenge, but this year, the lovable space on the assessment went back down to where it should be.
Anyone have any thoughts on what lowering the assessed value of your home does to its resale potential?
My home (purchased this last November) was just re-assessed a couple percent lower than it originally had been. Because this impacts my escrow, my mortgage lender kicked me back around $60 and lowered my payment by $15.
But part of me was still a little bummed – why is my home "depreciating" in value? Will this trend continue? What does this look like to a potential buyer down the road?
any thoughts on this would be appreciated….thanks!
This is what I was wondering also. If you are planning on staying in your home long term, then lowering the value would be a good idea. But it seems like if you are planning to sell in the next few years, then wouldn't the it be better to have it assessed higher? Or am I looking at it wrong.
I don't think it matters, at least not in my area. The assessments are usually several months out-of-date, and the market can change by then. Your list price should be whatever the fair market price is at the time you list, and that can be very different from the assessment.
The only time I can think of it affecting a home's marketability is when the sale price is lower than the assessment, but the only time I've seen that happen since buying is when the housing market fell. Real estate agents tried to spin as "You're getting a bargain!" when really it was just market forces.
But, a realtor would know much better than I would, and it could depend on where you are.
We are fighting our property taxes this year, but I hired a company to do it for me. They have a great reputation for getting prices lowered and it saves me the stress of planning what to bring and say, and taking off work to drive the hour to the county courthouse.
I fought an assessment and won on a piece of land that I own. It was being assessed as though it had a water view (the town values that water view at $200,000 more) and it didn't have one. I didn't know why it was being assessed so high, but I mentioned the assessment to a relative in the area and he said file an objection. I did and I won and that has saved me tons over the last 10 years. The process in that area was cheap and easy. But, I also had neighbors in that area, a resort community, that found that objecting to assessments increased their taxes, in that the assessor inspected the property (inside and out) and found that over time the owners had finished the basement or added other permanent improvements not captured on the tax roll and taxes went up. That wasn't a concern for me b/c there was no house on my property. But you may want to pull the assessor description of your property and see how accurate it is before you object or appeal.
We objected to a tax assessment on a Florida rental property (post real estate crash) and we were unsuccessful. Problem was that although we had good evidence of the fact that values had plummeted in the neighborhood, the assessor only looked at arms length transactions, so no foreclosures, short sales, etc. The assessed value on the property did eventually drop (but it took a few years and of course we paid the taxes during those years). Now the value is starting to creep back up and I think we likely will file an objection this year. The process was not short or easy, but I say still worth it even though we were not successful. I think it really depends on a lot of factors as to how easy it is from area to area, but certainly something that many should look at and consider.
My assessment was recently increased by a large amount. I appealed my appraisal and won, which reduced the appraisal to a value lower than where it started before the increase.
You should document and present anything that would potentially affect the value of your home if you were to sell it. For example, we have great people on one side of us, but they have all kinds of junk in their front and back yards. I took screen shots from Google Earth showing all of their junk and pics from my windows showing how much of their junk I can see from my house. I also looked at all the comps in my neighborhood and selected the best ones based on square footage and number of beds and baths.
Great info!! Luckily, our assessment value is fair for our area!
I'm curious to know how this applies to home builders. We are looking for a construction loan and we're hoping that our land value has increased so that we have more equity for a down payment, but does that kill us for property taxes down the road?
Your tax appraisal value and your market value are different things. I don't think many people use the property tax amount as a gauge for how much to pay for a home. Also, the appraised value is what your home was worth LAST year. In our county tax appraisals can vary widely (always lower) than what homes actually sell for. Supply and demand should dictate what your home is worth, and your buyer will be required to get a third party appraisal in the selling process anyway by a company that does not assess values for taxation.
Most importantly, getting the value lowered works the same as compound interest. If you get it lowered by 5% one year, that's less you pay every year forward. In addition, if they raise prices as a percentage of your current home value, then shaving dollars off that value saves you money in future increases as well. It's a no brainer for a few hours of work.
This. A lot of people confuse the terms "assessment" and "appraisal" even though they are very different things. An assessment is what your local municipality uses to distribute taxes fairly across all property owners. An appraisal is the actual market value of your home, estimated by a private appraiser who is supposed to be an unbiased party in a sale, refinance, etc.
Also, an appraiser is required to physically inspect both the interior and exterior of your home while assessors often re-assess the whole town based on limited exterior inspections and public records.
My mother does this regularly, as she has a house in a well-off area where houses are constantly remodeled and kept in top condition, and she has definitely not made any improvements. She files as needed for property tax reduction, and any other exemptions she can think of. This will NOT work if you have made significant remodels/improvements to your home that are not reflected in your current property taxes. In this case it is better to use their assessed value. As far as resale value,a home with a lower property tax, is a selling point not a detriment. In fact when my mother moves, she looks at potential property's property taxes are (lower is better!).
"So why do fewer than 5 percent of taxpayers challenge their assessments?"
Here in California, tax assessments are based on what you paid for the property. At closing, homes are assessed at 1% of the selling price.
After the first year, a property's assessed value can rise annually to "the lesser of 2% or the state's inflation rate". Note this does not mean your taxes increase that much, you just continue to pay 1% of a home value that has increased in assessed value by a very small amount.
There are state and local add-ons, but they still don't amount to a whole lot. It's a comparative bargain compared to say, New Jersey.
What it does lead to is wildly disparate tax rates. Two identical houses on the same street can have very different tax bills based on when the house was purchased.
We Californians can find plenty to complain about, but the way property taxes are levied is fairly transparent. You do know exactly what you're getting into when you purchase a home.
Finally, when the market dumped, my county reduced RE taxes across the board. Nice.
We bought a HUD home that had an appraisal of roughly 1/3 of the assessed value. We protested the taxes (they are more than our mortgage, go figure) but they county refused. Where would we go from there?
We had the same issue with our county. We bought our house for about 15-20% below tax assessed value, contacted the assessor's office, and were informed that no changes can be made between the 8 year cycles of appraisal review. We had missed the "window" to protest, even though we had just bought the house. Not every area has this nice way to save money. (Total "lost" would be about $3,000 to date)
You can grieve your taxes every year. You can look it up in your county or state website, probably under assessment and grieving your taxes. I know my county in NY will re-assess everyone's taxes every 10 years. But you have 1 chance every year to grieve that assessment. Just be sure to have comps and your purchase price and any information you think necessary to appeal (the more info, the better). Once a year you go before the town board on a particular date and state your case. They must send a letter stating if they agree with you or disagree and the reason they disagree. If you do not agree with their denial, you can appeal to the state. Again, you do have to go to the courthouse and fill out paperwork, but it's not too difficult. They set a court date and you discuss the same paperwork with a mediator and they make a judgment.
Is it time consuming, yes, but I grieved for 3 years with proof and finally went to court (without a lawyer) and the mediator and I agreed to reduce the assessment.
If the mediator did not agree, there is another level of appeal, but then I would have had to hire a lawyer and pay court costs.
The first level of appeal should not cost you anything but a filing fee, time and some copy paper.
Good luck.
My county has a reputation for ALWAYS refusing to reduce an assessment, unless they are sued. I've heard of people successfully suing to reduce the assessment, but that, of course, costs $$ to undertake. If the potential long-term savings were large enough, though, I'd talk to a lawyer.
The process around here is for the assessors to thoroughly go through one house per area then do drive-bys of the rest and base the assessments on the baseline house. So you have to check to make sure they haven't misidentified something, like calling my overlarge shed a garage or adding my mom's porch into the house's square footage. On the other hand after the last assessments everyone I knew who challenged the assessment ended up with having it increased. The town was in a nitpicky mood.
I have protested many times. I have a small 848 square foot house surrounded by 1000+ square feet , a little fish in a big pond of houses. It get compared to brick house and 2-3 bedroom houses, attached garages. Usually I have won most of the time, if not won, got it reduced greatly. If serious about protesting, go to your county web site that has the property to view, look at all current house sales compared to your house stats, try to find 3-4 comparable with your house, come up with your own evaluation of market value, and if you still disagree, pay $250 to $400 to get an appraisal done on your house. When you go to the prehearing ALJ person, do not mention you have the appraisal–they have no authority to review it–let them show you which houses they came up to get their value for your house, compare that to your 3 or 4 houses that you came up with, they may lower it yet not enough; you can still protest to the county evaluation board, like 3-4 people on the board I think most counties, you state your case to the board, mention you have an appraisal to back up your value belief; better yet, go down to the county place and watch some protest hearings so you will know what to do and not to do–from their schedule look up those houses' current value and then about 2 weeks later look at it again to see if those homes got their value lowered. Do not be intimated. No lawyer is required. Answer only questions asked of you, no more. Treat them nice. Don't argue with the board members. I got my lowered to $49,000 last time I protested. the informal protest was higher than $49,000–I couldn't get the ALJ person to lower it more and I didn't tell him I had an appraisal-I saved that for the final protest at the county board. It is well worth it. Some are lowered without an appraisal–yet if you really disagree, have one done. It is well worth the cost. Good luck. – Amy
I think my house is appraised too high. I paid under $10K for it and they've appraised it for over $40K. However, house taxes are capped at 1% in my state. I think what they want is a fair, considering that my kids go to public school, my garbage gets collected weekly, I want emergency services to help me if I have an emergency, etc.
Lower the APR on your credit card?!? That doesn't get you rich slowly…paying any interest AT ALL on credit cards gets SOMEONE ELSE rich, not you!
What's the homestead stuff?
Hi Brian, if you own a property and live in it as your primary residence, most tax districts allow you to file a 'homestead exemption'. This will limit or cap either the amount of property taxes or the rate of growth of those taxes. This is really useful in districts where property values can dramatically climb in a short period.
In Pima Co., AZ the assessor requires all appeals to be based on sales comps in the owner's area (in rebuttal, the county will use comps from all over a much wider area), and seems to totally ignore their own property valuations in the county records for adjacent properties. I've made many appeals and won a few, but never did the outcome produce a realistic assessed value comparable to neighborhood comps. I won't give up, but in this county the owner is fighting a severely uphill battle.
I live in Williamson County, Texas which has a reputation for being very difficult to work with in lowering your assessed values. I have protested for the last five years and each appraiser seems to make up his/her own rules. One year the appraiser threw out the comps because he said they were too old (there were not many comparable sales in my area) and he was using comps from homes not in my neighborhood. This year, the appraiser wouldn't take the comps from Oct, Nov., and December that I brought because he said they were not in his system. The County uses Jan 1. supposedly as their cutoff but I have had appraisers using comps all the way to Jan 30th. This year the appraiser wanted to use a comp from August but wouldn't take the comp of the house next door that closed on Dec. 27th. He said he didn't like the sale price because he thought it was too low and that there must have been something wrong with the house or it was a family sale. It was neither and the bank appraised the house for $3500 more than it sold for. The house was in the range that I was trying to get for my house. The appraiser also asked me why I was questioning my appraisal because Texas law prevents a homestead from going up more than 10% and the county had adjusted my value so that I wouldn't be taxed on more than a 10% increase. Problem is, if I didn't protest, then next year it would go up 10% from that new value (not the adjusted value). I got my valuation down, but not as low as I wanted. Some years, I get everything I ask and some years I've had to settle. It all depends on the appraiser. I also protest my rental property every year and this year because my son was buying the house from us, but the county makes you wait until the following year to add the homestead exemption so while it was still in my ownership I protested the taxes. Williamson County allows you to protest on a walk in basis the first 30 days after they send out the notices. I have been more successful going in during than protesting during my assigned time later in the summer. I think it's because they are worn out listening to complaints then. I have also helped neighbors protest by representing them (such as a neighbor whose husband died and another neighbor who was ill). When I'm representing others the appraiser doesn't seem as cooperative but I have always been able to get their assessments down, although not as much as I ask for.


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OLED display designed for applications with small size LCDsMarch 19, 2014 4:04 pm | Product Releases | Comments
Microtips Technology is excited to announce our new 8x2" Sunlight Readable OLED display. This low cost passive matrix 8x2 character OLED display modules makes a great option for any application using small size LCDs.
LED wall pack light offers high light output from a compact form factorMarch 13, 2014 3:00 pm | Larson Electronics Llc | Product Releases | Comments
Larson Electronics (Kemp, TX) announces the release of a new magnetically mounted LED wall pack light with a glare-free shield. This 60 watt LED light offers high light output from a compact form factor and is designed to provide a more durable and long lived alternative to halogen and metal halide units.
Real-time processing drives head-up display advances in carsMarch 12, 2014 10:27 am | by Chris Warner, Executive Editor | Articles | Comments
Today's automobile driver receives an overwhelming amount of information pertaining to the safe operation of their car like no time before. Whether it's a GPS system mapping out precise directions from point a to point b with countless detours along the way, rendering the old paper map to history...
Designing touchscreens with true glove functionalityMarch 12, 2014 8:43 am | by Chitiz Mathema, Product Marketing Engineer, Cypress Semiconductor Corp. | Cypress | Articles | Comments
Most capacitive touchscreens simply do not work with gloves. Glove material is generally non-conductive and the material dielectric properties are closer to that of air. One method for getting gloves to work with capacitive touchscreens is to increase the sensitivity of the touchscreen.
Snap-action microswitches comply with UL61058March 11, 2014 10:12 am | Microprecision Electronics, Inc. | Product Releases | Comments
Microprecision Electronics SA (Vouvry, Switzerland) is announcing a new certification "UL 61058" for its snap-action microswitches. UL introduced the new norm to test appliance switches (previously under UL1054). By mid-2015, new products have to comply to UL61058.
Active optic solutions intended for 100, 200, and 400 Gbps productsMarch 10, 2014 2:53 pm | Molex Incorporated | Product Releases | Comments
As industry demand surges for long reach, low power solutions supporting next generation 28 Gbps products and data center applications, Molex Incorporated ( Lisle, IL) recently announced plans to unveil a line of QuatroScaleactive optic solutions designed for 100, 200 and 400 Gbps products.
16-foot telescoping light mast includes 360° rotating capabilitiesMarch 7, 2014 12:19 pm | Larson Electronics Llc | Product Releases | Comments
Industrial lighting specialists Larson Electronics (Kemp, TX) have announced the release of a 16-foot telescoping light mast with 360° rotating capabilities that is equipped with two Class 1 Division 1 150 watt LED light fixtures. The LM-16-EPL-2X150RT is a fold-over light mast....
Aluminum polymer capacitors rated at temperatures up to 125°CMarch 6, 2014 2:42 pm | Illinois Capacitor | Product Releases | Comments
Illinois Capacitor (Lincolnwood, IL) AVG Series aluminum polymer capacitors offer the very-low ESR benefits of polymer with greater maximum operating temperature and voltage rating. Compared to most other polymer capacitors, the AVG Series is rated at higher temperatures (up to 125°C)....
Engineering Update Episode 48: Jet-powered UAV can roam up to 1,800 milesMarch 6, 2014 10:59 am | by Jon Dipierro, Multimedia Production Specialist | Videos | Comments
The Predator C Avenger is a jet-powered UAV with the firepower, range, and capabilities to set a new gold standard for unmanned vehicles. Whereas the Predator and Reaper were powered by a relatively primitive turboprop engine, with a top speed of 300 mph, the Avenger uses a Pratt & Whitney turbofan engine ...
LED light guides designed for general illuminationMarch 5, 2014 3:26 pm | Global Lighting Technologies | Product Releases | Comments
Global Lighting Technologies (Brecksville, OH) has introduced a new light guide that produces distinct customized emission patterns of light from the top and bottom surface. This enables lighting fixtures to emit light upward and downward using a single light guide with LEDs on one or two edges....
OLED graphic displays feature outline dimensions of 59.0 x 186mm and 62.64 x 25.44 mmMarch 3, 2014 4:20 pm | Microtips Technology | Product Releases | Comments
Microtips Technology (Orlando, FL) announces their new 2.0" of 128*32 and 2.26" of 132*32 OLED TAB Graphic displays. These displays have a built-in SSD1305 IC which has the outline dimensions areas of 59.0 x 186mm and 62.64 x 25.44 mm. These OLEDs display modules make a great option for any application....
LED driver IC rated at a current of 1AMarch 3, 2014 10:22 am | Product Releases | Comments
Supertex (Sunnyvale, CA) introduced the HV9805, an LED driver IC, where the LED light source is arranged as a high-voltage LED string in order to accommodate certain lamp form factors, while allowing for cost savings through less complicated cooling and optical arrangements.
Switch-mode transformers include universal input range of 90 to 265 VacFebruary 28, 2014 1:24 pm | Premier Magnetics | Product Releases | Comments
Premier Magnetics (Lake Forest, CA) announces its POL-LYT Series of switch-mode transformers designed to complement Power Integrations' LYTSwitch family of integrated off-line LED driver/controller ICs. Features include a universal input range of 90 to 265 Vac.
Blasting gun light produces 860 lumensFebruary 25, 2014 3:41 pm | Larson Electronics Llc | Product Releases | Comments
Larson Electronics has announced the release of a 10 watt high output LED blasting gun light that produces 860 lumens of intense illumination. This unit is IP66 watertight and able to withstand the rigors of aggressive and heavy duty use applications. The BLG-LEDP1X10W blasting gun light from Larson Electronics is designed for extreme durability....
Ambient light sensors feature sensitivity over a range of 57,542 lux to 0.001 luxFebruary 24, 2014 12:50 pm | Maxim Integrated Products, Inc. | Product Releases | Comments
Using the Santa Cruz ambient light sensor (ALS) from Maxim Integrated Products (San Jose, CA), factories can quickly configure and monitor multiple red, green, blue (RGB) and infrared (IR) ambient light sensors with the high accuracy required in industrial applications.
GaN on GaN LED achieves world-record setting wall-plug-efficiencyFebruary 24, 2014 12:23 pm | Product Releases | Comments
Soraa (Fremont, CA) announced today the world's most efficient LED, which it will integrate into the market's first full-visible-spectrum, large-form-factor lamps. Soraa's third generation (Gen3) GaN on GaN LED achieves world-record setting wall-plug-efficiency, outperforming the nearest competitor by 20% at normal operating conditions.
Ultra-dimmable LED lamp features CRI of 80February 19, 2014 3:40 pm | Product Releases | Comments
Ledzworld (Amsterdam, The Netherlands) announced it has added an ultra-dimmable AR-111 LED lamp to its product line — the world's first true retrofit sized premium 850 lumen, single light source AR-111 LED lamp. Features include CRI of 80 and a 25 degree or optional 40 degree beam angle.
Extendable quadpod mini light tower produces 575,000 lumens of lightFebruary 19, 2014 3:30 pm | Larson Electronics Llc | Product Releases | Comments
Larson Electronics (Kemp, TX) has released a new 6000 watt extendable light tower. This portable light tower is equipped with four 1,500 watt metal halide lamps that produce 575,000 lumens of light. The WAL-C-4XM Quadpod Mini Light Tower is adjustable from seven to fourteen feet.
TFT display includes resistive touchFebruary 18, 2014 3:55 pm | Newhaven Display International | Product Releases | Comments
Newhaven Display International (Elgin, IL) introduces the new 5.0" TFT with resistive touch to their display line. The 5.0" TFT display features a 4-wire resistive touch panel that can withstand water contact, dust, and grease. This display has full RGB color, a fast response time, high brightness & contrast, and a wide operating temperature.
Red laser diode delivers 100mW single-transverse-mode optical outputFebruary 14, 2014 12:37 pm | Product Releases | Comments
The Optoelectronics Company has announced the launch of the Oclaro HL63163DG: a tiny red laser diode that delivers 100mW single-transverse-mode optical output power at 633nm in the visible wavelength band. The Oclaro HL63163DG presents system designers with a long-awaited and realistic alternative....
What's the biggest challenge for designs that utilize touch-enabled displays?February 10, 2014 3:35 pm | Ocular, Inc., Applied Materials | Articles | Comments
Take a look at virtually any new smartphone or tablet device, and whatever the brand or size, they likely have one thing in common — touch screen displays. This ubiquitous level of adoption comes with challenges, particularly pricing and volume yields to meet mass market needs. The touch-enabled display represents one of the largest cost factors....
Explosion-proof LED light features magnetic mounting capabilitiesFebruary 10, 2014 2:57 pm | Larson Electronics Llc | Product Releases | Comments
Larson Electronics (Kemp, TX) has announced the release of a new pedestal mount LED light designed for high output and versatile operation. Featuring a powerful 150 watt LED lamp assembly and a simple aluminum base stand with magnetic mount capabilities, this light effectively illuminates 8,000 square feet....
LED high bay uses almost 50% less energy than HID counterpartFebruary 10, 2014 2:48 pm | Product Releases | Comments
Hubbell Lighting announced an ultra-efficient choice for one-for-one replacements of outdated and inefficient metal halide and fluorescent high bays — Columbia Lighting's LLHV VersaBay LED High Bay. It includes energy use 48% below comparable HID and a payback period of less than two years.
MR16 lamps render colors and whites as they would appear in natural lightFebruary 10, 2014 2:13 pm | by ECN Staff | Product Releases | Comments
Soraa (Fremont, CA) launched the world's first high color temperature (CCT), high color rendering MR16 LED lamps — a brilliant choice for gemstone jewelry and high-end retail displays. The new 4000K and 5000K CCT, full visible spectrum Soraa Vivid 2 LED MR16 renders colors and whites exactly as they would appear in natural light....
Touch controller supports up to 40 simultaneous touch pointsFebruary 4, 2014 10:53 am | Zykronix | Product Releases | Comments
Zytronic (UK) has announced the launch of its latest touch controller to complement the company's portfolio of rugged, ultra-large format, multi-touch touch sensors based on its proprietary MPCT projected capacitive (p-cap) technology. The ZXY300 has been developed for use with touchscreens that have diagonals greater than 55-inches....


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Categories > Cartoons > Skyland > Fighting Like Animals
Default Chapter0 Reviews
A Virus Infected Brigadier(V.I.B) has activated a button Oslo claims appeared out of nowhere. Where'd the button come from? That's a different story.
"YOU!" Diwan turns around and looks at the Brigadier.
"/yes/?" The Brigadier replies. This Brigadier is infected by a virus that makes it go crazy.
"Follow me." Diwan faces forward and starts walking to the main room, the Brigadier following.
Diwan walks in and looks up at Oslo. "Commander Oslo, this Brigadier suffers from a virus..."
Oslo turns around and looks where it was standing. "where?"
Diwan turns around and flinches. "It was here," she impies. "I guess it wondered off."
"OOOOO! What does this button doooo?" says V.I.B like alittle girl.
Oslo stares at it, baffled by it's curiosity. "Throw it over board if it's to act like that," he says.
"Yes, Commander." Diwan turns around and starts walking tward V.I.B, but it runs off like a stray cat. Diwan chases it in circles.
Suddenly Oslo is shoved out of his seat and the Brigadier sits where he was.
"LOOK AT ME!" The Brig yelps with joy. "I'M OSSY! FEAR MEE!"
Oslo shoots him out of the chair and stands up only to find himself back on the ground when Diwan failed to stop in time.
"GET OFF OF ME!" Oslo shouts.
Diwan gets up, "Sorry."
"Get that peice of scrap metal out of here before he causes more trouble!" Oslo demands. He pauses for a moment and yells, "DON'T PUSH THAT BUTTON!"
Oslo and Diwan runs over and smacks the Brig.
"What does that button do?" Diwan asks.
"uhhh... I don't know," Oslo replies.
"Then why have it when you don't know what it does?"
"Believe me or not, flash in this corner, and there it is..."
"Wow, you're crazy."
Oslo smacks his forhead, "Still, best not to find out what it d- DON'T TOUCH IT!"
V.I.B pushed the button.
From the top of the Monolith, a hug flash jets out and travels across Skyland.


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SLIDESHOW: New and Vintage Wines at Lenz's 23rd Annual Merlot Classic
Comment | September 19, 2012 | By Eileen M. Duffy
It was a beautiful night for a wine tasting last Saturday, outdoors, surrounded by ripening gewürztraminer. But under the tent was nothing but merlot (and some merlot blends). Sixteen producers were there, and I was able to taste nearly all of them. There were also merlots from across the U.S. and across the ocean, but I couldn't bother with that table–not enough time. Here's the new, old and unusual:
New: Harmony Vineyards. In Head of the Harbor, this vineyard donates all profits to charity. It is focusing on "Bordeaux-style red wines and Chablis style white wines." On their table was the 2008 Harmonius Red Blend, which was made by Eric Fry of Lenz. Anthony Nappa's 2010 Blackbird Merlot. The only 2010 Merlot there I tasted and it showed the exceptional ripeness of the vintage.
Old: Lenz's 2002 Old Vines Merlot, showing how that good vintage is holding up after 10 years. Wölffer Estate's 1998 Estate Selection Merlot, which was also still hanging on to some fruit.
Good Values: Castello di Borghese 2008 Merlot for $20; Jamesport Vineyards 2005 Estate Merlot Block E, $25, good way to taste this good vintage and its great balance; 2005 Lieb Cellars Reserve Merlot, $25, same vintage with complex flavors; NV Mattebella Famiglia Red, $17, pizza wine.
Categories Events, Slideshows


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His Excellency Pres. Benigno "Noynoy" S. Aquino has just delivered his third State of the Nation Address on July 23, 2012 at the Session Hall of the House of Representatives, Batasan Pambansa Complex, Quezon City.
His speech highlighted most of his impressive accomplishments – in health, education, tourism, armed forces, transportation and communications, among others.
Below is the full text of his speech:
2012 State of the Nation Address of Pres. Benigno S. Aquino III Full Text (English and Tagalog)


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Bring new life to your sock drawer with this stylish six pack of women's ankle socks. In a rainbow of colors.
- Classic and trendy colors allow versatile wear.
- Stretchy cotton blend provides a flexible fit.
- Details:
- Fits shoe sizes 4-10
- Cotton/nylon/spandex
- Machine wash
- Imported
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How Slacktorys Nick Douglas got by at sxsw on 10 a day. Fucking brilliant.
How Slacktory's Nick Douglas Got By At SxSW On $10 A Day
Finally, someone asks the real question of SXSWi: Where the fuck was Pinterest?
For this video I lay face-down in a puddle under an SUV, harassed various nice people who were really cool about it, and...


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My Style: Classic, Edgy
Reviews: 4
Average Rating: 4.0
4 reviews
Posted August 10, 2013
can see vpl
Tight which was what i wanted, but material is such that u can see panty lines or shirt line when u tuck your shirt in. Still possible to wear, but has to be with very seamless undies and if u r tucking in your shirt, the shirt should preferably be really short with not a lot of cloth....
Sizing: Smaller than Expected
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Posted November 02, 2013
I'm an S, but the XS fits well
I'm an S, but bought the XS after reading the comments that its a bit big. The S also did visually look slightly baggy on the model. Anyway, glad i took the chance, it looks great, really love it. The XS is very fitted and sexy.
Sizing: Larger than Expected
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Posted August 09, 2013
I'm a standard S, but this skirt is slightly larger i'd like it to be... but its ok I can still fit into it. Nice design, looks like it does on model.
Sizing: Larger than Expected
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Posted August 09, 2013
Its surprisingly heavy, sleeves are long (cant pull up as its not elasticated, have to roll up) but otherwise it's fine, looks as expected.
Sizing: True to Size / As Expected
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Written by:
al shaibani
My love how did you make me fall for you?
is it your eyes or smile that are so true?
or is it me thats madly in love with you?
tell me dear for i dont know what to do
you swelled me with your happiness and joy
and now i am crazy for you and oh boy !
i loved you always and ill love u more
never leave me or walk out my door
i know and you know that well stay togther
for our love , my love , will remain forever
everytime i sit alone
i always think of the times we own
i will love you till the day i die
i promise you baby this isnt a lie
i am incomplete without you by my side
sweety please stay buckled in my love ride


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Peugeot Reveals 500-Horsepower Crossover Concept Concept Cars
34 minutes ago
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2016 Volvo XC90 R-Design Revealed Luxury
3 hours ago
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Mercedes-Benz is set to launch a second-generation GLK-Class next year, and it may feature a high-performance AMG variant. The key is the AMG division's new... read more August 12, 2014 by Viknesh Vijayenthiran
It was close to two years ago that we saw the first test mules for the redesigned 2016 Mercedes-Benz GLK-Class, but since then prototypes wearing the completed... read more January 12, 2014 by Viknesh Vijayenthiran
Next year Mercedes-Benz will launch a redesigned GLK-Class, and soon after its arrival we may see it spawn a sleeker and sportier coupe crossover. BMW's X6, spawned... read more December 30, 2013 by Viknesh Vijayenthiran
In the interest of fuel efficiency, luxury manufacturers are replacing six-cylinder engines with forced-induction fours. BMW has already made the switch on its new 3-Series... read more April 20, 2012 by Kurt Ernst 4
A bit more glamorous, a bit more mature, and a bit less performance-oriented than most of the smaller luxury crossover market, the Mercedes-Benz GLK stakes out its own... read more April 4, 2012 by Nelson Ireson


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|For Sale: 185
|New: 25
|Recently Sold: 162
|Reduced: 77
|Average Home Price
|Average Sold Price
|Property Records: 8,967
|Foreclosed: N/A
The average home price in 22102 is $1,622,086, which is 86.5% lower than the average sold price in 22102 ($869,529) . The average home price per square foot in 22102 is $410 and about 2% of all homes in 22102 sold in the last 6 months. For 22102 home values, real estate prices, and city market trends, research the 8,967 property records or search our 162 recently sold or 185 homes for sale listings. Listing counts, 22102 home prices and home values in 22102 are sourced daily from listing and property data on realtor.com®, which is the most up-to-date and accurate aggregation of real estate listings in the industry and includes approximately 800 regional MLSs and is the official website of the National Association of Realtors®.
|Median Age
|Median Household Income


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Home >> Action >> The Transporter >> The Transporter
Game Description: Neat car game based on the film with the same title. Dodge oncoming traffic and.. goats.
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The Break-Up Reviews
Las Vegas Weekly
Eventually you're just rooting for Gary and Brooke to get the whole ordeal over with, as much for the audience's sake as for their own.
Full Review | Original Score: 2/5
Seacoast Newspapers (NH/Maine)
Think less Wedding Crashers and more War of the Roses minus the oddly romantic violence.
| Original Score: 2.75/4
Orlando Sentinel
In short, The Break-Up is too accurate to be light-hearted, too light and flippant to be really romantic.
Full Review | Original Score: 2/5
Palo Alto Weekly
Akin to an unhealthy relationship, this self-described 'anti-romantic comedy' begins hot and heavy before buckling beneath the weight of pointless conflicts and ridiculous game-playing.
| Original Score: 2/4
Chicago Sun-Times
For the movie to work, we would have to like the couple and want them to succeed. Despite some sincere 11th-hour soul-searching by Gary, we're sorry, but we don't want them back together, we want them to end their misery.
Full Review | Original Score: 2/4
The Break-Up is too badly fractured to be deemed repairable.
Full Review | Original Score: 2/4
Denver Post
If 7 Up is the un-cola, consider The Break-Up, -- the un-romantic comedy.
Full Review | Original Score: 2.5/4
Movie Mom at Yahoo! Movies
The whole movie is a game of one-upsmanship, as each one tries to make the other more miserable. It gets increasingly ugly and painful. Then it ends.
| Original Score: D
Wall Street Journal
It's not a good sign when a movie is called The Break-Up and you can't wait for the couple to split so they'll get some relief from one another, and give the audience some relief from them.
Murphy's Movie Reviews
The only really nice thing about the story is that it doesn't opt for a Hollywood happy ending.
| Original Score: D
Arizona Daily Star
Plays like a 106-minute highlight reel of three seasons of a sitcom that jumped the shark midway through the sophomore year.
Full Review | Original Score: 2.5/4
Nolan's Pop Culture Review
..."The Break Up" may go down with "Fatal Attraction" as the worst "date" movie of all time.
Full Review | Original Score: 2/4
The two stars remain painfully wrong for each other
you'll be wishing they'd just call it quits
Full Review | Original Score: 2/5
Slant Magazine
A borderline-schizophrenic tone regularly undercuts both the nasty, biting humor and weepy sentimentality.
Full Review | Original Score: 1.5/4
Nil chemistry. How can Vaughn and Aniston be dating? They don't even like each other.
Flipside Movie Emporium
When, oh when, will the scorching on-screen chemistry between Vince Vaughn and Jon Favreau finally be consummated?
Full Review | Original Score: C-
Sacramento News & Review
Full Review | Original Score: 2/5
Stereotypes across the board, puerile one-upmanship games, and an utter failure to explain why, indeed, these two even were together.
Full Review | Original Score: 2/5
Don't expect to crack up at The Break-Up.
Full Review | Original Score: C
Shared Darkness
St. Louis Post-Dispatch
Sydney Morning Herald


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Heat 1 tablespoon oil in large nonstick skillet over medium-high heat. Add onions and sugar. Cook until dark brown and tender, stirring frequently, about 16 minutes. Mix in vinegar and crushed pepper. Cook until mixture is thick, about 1 to 2 minutes more. Season marmalade generously to taste with salt and pepper.
Meanwhile, preheat oven to 500°F. Roll pizza dough out onto the back of a baking sheet, sprinkled with cornmeal. Brush with remaining 1 tablespoon of oil; sprinkle with salt. Spread onion marmalade over the crust, dollop ricotta all over the onion layer and top with slices of prosciutto. Bake until caramelized and crusty, about 10 to 12 minutes.
Go to full version of
fresh ricotta and red onion pizza [smittenkitchen.com] recipe


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Because the web is new, we are the first generation and every time we go online we leave a trail. But, who's watching you? These days we are encouraged to add lots of information about ourselves onto the Internet, which gives lots of opportunities to be creative and develop good skills. Aside from the fun stuff, we always should remember that the Internet is an open environment. Personal information is routinely collected and kept for years and years by companies wanting to sell you stuff and viewed by individuals looking for information about you. So, keep safe and don't put too much information about yourself online.
It is important to protect your identity and your own digital footprint and your individual actions. We also particularly need to be aware of the other important part of our footprint best described as digital shadow. These include things like images of you on a surveillances, your bank records, your retail and airline purchase records, telephone records, your medical database entries, information about your web searches, information about credit cards purchases, etc. This means that we need to protect ourselves from identity theft. In this unstructured information world, discipline is needed. One positive side of all is that there will be traces left of individuals for eternity. Future generations will become acquainted with many of us due to what common people are leaving behind. As educators we should teach our kids digital safety.
While checking my Google Reader at Across my Desk from E-Learning Journeys by Julie Lindsay, I found a list of social media etiquette rules for students. If you know someone watching you let's start by being respectful in social media.


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Beach Day on Flickr.
This was the last time I went to the beach. I went with my best friend Ryan. I never go anywhere without my tortoise-shell wayfarers.
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Habitat for Humanity of Russell County is a non-profit Christian ministry dedicated to the elimination of substandard housing in Russell County, Alabama. We provide opportunities for the community to show God's Love in Action, in partnership with people in need, by providing decent, affordable housing and improving the quality of life for our partner families.
Habitat ReStores are retail outlets where quality used and surplus building materials are sold at a fraction of normal prices. Proceeds from ReStores help local affiliates fund the construction of Habitat houses within the community. Many affiliates across the United States and Canada operate successful ReStores—some of which raise enough funds to build an additional 10 or more houses per year.
Materials sold by Habitat ReStores are usually donated from building supply stores, contractors, demolition crews or from individuals who wish to show their support for Habitat. In addition to raising funds, ReStores help the environment by rechanneling good, usable materials into use.
Thank you for considering the Habitat for Humanity of Russell County ReStore with your charitable donation!
The HFH ReStore is a division of HFHRC. The ReStore mission is to generate revenue through the sale of donated building materials and household items to support HFHRC's operating budget. Through its efforts, the ReStore facilitates recycling aluminum cans, provides low-cost home improvements items, and increases Habitat's visibility in our community.
Store location: 714 16th Street, Phenix City, AL Hours of operation: Thursday- 9:00 a.m. – 4:00 p.m. Friday - 9:00 a.m. – 4:00 p.m. Saturday - 10:00 a.m. – 2:00 p.m.
Habitat for Humanity of Russell County714 16th StreetPhenix City, AL 36868-3590Phone: 334-448-8275Fax: 334-297-2174E-mail: firstname.lastname@example.com
1909 Wynnton Road
Columbus, Ga. 31906
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