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Is a Reverse Mortgage Right for You?
Published on - December 24th, 2009 (Modified on - December 26th, 2009) (by J.D. Roth)
This is a guest post from Francine Huff, a freelance journalist and writer at BestReverseMortgage.com and the author of The 25-Day Money Makeover for Women. She has appeared on a variety of TV and radio shows. Visit her web sites Huff Writes and Super Savvy Spender.
Whether through recent news articles or over the water cooler, you've probably heard something about reverse mortgages. But if you (or a loved one) is considering this type of loan, don't base your opinion on hearsay. For such a major financial decision, it's worth getting the facts about reverse mortgages. This type of mortgage can actually be a valuable option for people in the right circumstances and who understand the terms of the deal.
Reverse mortgages convert home-equity into cash
What is a reverse mortgage? If you own a home and are 62 or older, a reverse mortgage is a way to convert some of your home equity into cash. Rather than make monthly payments to your lender, your lender is making payments to you. The money you borrow through a reverse mortgage is paid back, with interest, when you move out of your home, sell your home, or die.
The older you are and the more valuable your home, the lower the interest rate you can get in a reverse mortgage — meaning you can borrow more money.
Why and how do people use the money borrowed through a reverse mortgage? Cashing out home equity in this way can be helpful if you have a fixed income and need more money to pay for household bills, debt, medical costs, home repairs, or other expenses. The money from a reverse mortgage can be paid out as a lump sum, in regular payments, or as a line of credit.
Unlike with traditional mortgage loans, your credit history does not matter with a reverse mortgage. However, the house must be your primary residence, so vacation homes and investment properties do not qualify.
Effect on taxes and government program eligibility
If you're concerned that the additional money will boost your income tax liability, don't be. Money obtained through a reverse mortgage loan is not considered taxable income. You also keep the title to the home and can never be forced to move as long as you pay the property taxes and insurance. If you and your spouse take out a reverse mortgage together, the loan isn't due until both spouses have moved or died.
If you receive regular Social Security or Medicare payments, they won't be affected by taking out a reverse mortgage. However, your eligibility for Medicaid payments could be affected. Money received from a reverse loan may be considered an asset and could keep you from getting Medicaid.
For example, if you receive $4,000 from a reverse mortgage and spend it all the same calendar month, you can receive Medicaid, according to the National Reverse Mortgage Lenders Association. If you spend some of it and put the rest in your savings account, that's where you can run into problems. If your total liquid assets exceed $2,000 ($3,000 for couples) the next month, you wouldn't be able to receive Medicaid.
Are you a spendthrift?
One of the disadvantages of a reverse mortgage is that getting money this way won't correct poor spending habits. If you have trouble managing your money, a reverse mortgage won't solve your financial problems.
For some folks, getting their hands on a large sum of cash may result in poor spending choices that could leave them without enough money for basic living expenses later on. Who hasn't heard horror stories of retirees blowing reverse mortgage money in record time on expensive vacations, meals, cars, and other frivolous purchases? Anyone who really has a problem with debt and managing money may need to speak with a credit counselor.
Credit counseling differs from reverse mortgage counseling, which is mandatory for most reverse loans. This free or low-cost counseling can be done in person or by phone. The goal of counseling is to get detailed reverse mortgage information to help you decide if using one of these loans is a wise choice. Counseling can help you review other alternatives to getting a reverse loan. Find a HUD-approved counselor to talk through your options. Seniors who use reverse mortgages can reap a lot of benefits, but these loans aren't for everyone.
Your home appraisal
You may not benefit much from a reverse loan if you don't have enough home equity. When you apply for a reverse mortgage, your home will be appraised to determine its current market value. The more equity you have in your home, the more money you can potentially receive through a reverse mortgage. After the past year's market performance, it's worth noting that no matter what happens with the housing market, the amount owed on a reverse mortgage never exceeds its market value at the time a house is sold.
Just make sure you really want to cash out that home equity. When you own a home free and clear, you can leave it to your heirs without too many restrictions in most cases. But with a reverse mortgage, one of the disadvantages is that if you want your heirs to have the home, they (or your estate) must pay off the loan balance first. They also could choose to sell the home and keep any remaining equity after repaying the lender. If they don't want the home, they can do nothing and the mortgage lender takes the property.
Reverse mortgage disadvantages: Loan fees
Reverse mortgages usually have a lot of upfront costs, so you may want to consider other alternatives to getting more funds if you plan to move from your home in a few years. Some other ways to improve your cash flow are to redo your budget to reduce expenses, get a home equity loan or no-interest loan from a local government agency or nonprofit, or look for grants for homeowners in your area.
One thing to remember is that the US Department of Housing and Urban Development's Home Equity Conversion Mortgage (HECM) allows you to use the proceeds from to buy another home as your primary residence. So you can use the money from a reverse mortgage to downsize to a less expensive place.
Get the reverse mortgage facts to help you decide
As more seniors have struggled to make ends meet in recent years, reverse mortgages have grown in popularity. Some consumer advocates and legislators say reverse home loans are heading for another meltdown like subprime mortgage loans. Others believe that these loans have a lot of value and can help seniors live more comfortably in their golden years.
It's up to you to make the right decision based on your personal financial situation. And don't let pushy salespeople pressure you into signing up for a reverse mortgage without understanding all the consequences. Talk to a counselor to discuss reverse mortgage facts and whether one makes sense for your needs.
J.D.'s note: I know absolutely nothing about reverse mortgages. In fact, before doing research for my book, I had vaguely negative feelings about them. But lots of financial experts I trust think they're a good option — in some cases. Do YOU know anyone who's taken out a reverse mortgage? Are they glad they did? Or do they wish they hadn't?
This article is about Choices, House and Home, Retirement
I don't personally know anyone who has taken out a reverse mortgage but I sure have seen a lot of commercials for them!
I manage a bank and we get a lot of elderly customers at my branch. Many of them are doing home equity lines of credit right now. We don't offer a reverse mortgage at the branch. It's interesting to see the rise in equity lines in the elderly group!
My parents looked into this option & did some research. My father was turned off by the upfront fees, talking thousands of dollars. His take is why should I pay that much in fees & interest to boot when I can get a home equity loan or LOC for a lot less. Of course, as stated in the article, if you have bad spending habits, neither option might be a good idea. When my folks did the home equity they opened a separate checking account and put the money in there to keep it separate from other money. One extra step to help them be conscious about what that money was really for.
I'm with you, J.D. I don't know a lot about them, but I have a vaguely negative feeling about them. That being said, I think they *could* provide a great opportunity for some older customers to obtain some extra monthly cash IF those customers – and their families – understand the fees, interest and structure of a reverse mortgage, perhaps after researching other options or discussing them with a financial planner. DH manages financial affairs for an elderly man, and we've discussed whether a reverse mortgage could help him with his finances. So far he's managing on SSI and a small pension, so we're keeping the reverse mortgage idea on the backburner. But it's nice to have options.
That being said – I really don't understand the idea of using a reverse mortgage to downsize. Wy wouldn't you just sell the first place and use the proceeds to buy the new one?
To downsize, using a Reverse Mortgage for Purchase, you can do it all in one transaction saving on fees. Let's say you sell your home for $140,000, you can use $70,000 of the proceeds to purchase a 140,000 condo and put the rest of your money in the bank for when you need it. The reverse mortgage is on the new property. That gives you a place to live and cash for the things you want or need.
My grandpa (who is a widower) looked into a reverse mortgage when his retirement savings took a hit because of the stock market.
But then he decided to sell his house. And move in to a smaller place with a roommate. He is much happier- has less to take care of, someone to keep him company, and he lowered his costs and got his equity out of his house.
My Mother who is a widow got a reverse mortgage and is very happy with it. She did not want a roommate, nor did she want to leave her home. We (the six children) do not care about getting an inheritance. We want our Mother to enjoy her retirement.
Thanks for posting this article. This is an important issue for even younger people to be aware of, as they may have parents or other relatives who consider this option.
On a related note, I'd love to see a posting on long term care insurance. People should be thinking about buying it in their 40s, but most don't think about it until it is too late.
Which reminds me, I really should start doing the research for myself…
Merry Christmas to those who celebrate it, and a happy day to those who don't.
In response to your question, I have always thought negatively about them as well. But recently, my father informed me that he was is in the process of obtaining a reverse mortgage on his home. His decision made me be more open minded because I've always been impressed with my father's financial investment decisions.
Merry Christmas to everyone!
I know as little about them as you do, JD, but my first impression is: Sounds like a real pain in the ass to deal with for the family that has to manage that once you're gone.
How does a reverse mortgage work in a a period of declining home values?
When the people permanently leave the home, the family can put the house up for sale and the heirs get the difference after the loan is paid. If there is no equity left in the home, the family just simply lets the bank have it and deal with the sale.
You can never leave a debt to your family. The house is the repayment, even if there is more owed on the home than what it is worth.
Reverse mortgages simply automatically borrow money from your home's equity each month. Doesn't sound like a good deal to me. It's a win for the company because they are making money.
Great post!
I also don't know anybody who has done one, but I know people who do research on why more people don't take out reverse mortgages. From a rational optimality standpoint, they're generally considered to be a good deal for people who want to stay in their homes, except for the fees (which can be excessive), and assuming no bequest motive. (And the idea is the fees would be lower if more people used this option because there would be more competition in the reverse mortgage market.) Presumably the Medicaid eligibility isn't a problem for a widow(er), as they would have to sell the house before moving to a nursing home, the nursing home being the primary reason they would need to qualify for Medicaid. (Another big puzzle is why more people don't buy long-term care insurance.)
This article does an excellent job discussing some of the non-rational pros and cons of a reverse mortgage that economists don't discuss but are nonetheless potentially more important.
I like seeing this article on retirement! Even if most GRS readers aren't there yet, we have parents who are getting there, and being reminded of our potential tomorrows rarely hurts when planning for today. This site is doing an excellent job of becoming a rich resource for all things personal finance related.
Tyler, I was thinking about that too…wondering how difficult it is to take care of all the details after the homeowners pass away.
This was a very well written article on the overview of reverse mortgages. One option that they did not mention, which I wrote about in my blog back in 2006 (when more people had equity and cash) is to have a family member provide the reverse mortgage (
http://glgcpa.blogspot.com/2006/09/family-reverse-mortgage.html). This option can drastically reduce the upfront costs and allow an easy way to keep the home in the family.
There is another word for reverse mortgages — Usury! It is nearly always a bad financial move with fees running 8% – 10%. Lenders even set aside fees from the proceeds to service the loan going forward. This should be considered only when folks are desperate and all other options have been explored.
I disagree. This is a great retirement financial planning tool. People just aren't educated on them.
I don't think 8% – 10% interest rates are bad at all considering the potential for appreciation in the housing market.
Reverse mortgage is good if you need cash right away, but from what other readers have suggested there are plenty of other ways of acquiring the needed cash.
Essentially you are loosing equity and gaining debt, not a very cool situation. Especially if you are 62, then you have to think of your children as well. What if you want to pass the house on to your children?
If you choose the reverse mortgage option, you will leave them only with more debt. I am sure reverse mortgages have some uses in certain situations, but overall it seems like it is not a good idea.
Happy Holidays!
If you want to pass your home onto your children, then of course it would not be a good idea. Usually at this age in their life, I would hope the children are able to take care of themselves.
I went to a workshop on this topic a few months ago (I work with the elderly in the social services). What I gleaned from the program was, one should really be careful to examine all aspects of this kind of program, given the fees, taxes, etc…The woman who spoke with us, while a real estate agent, spoke about the integrity of the real estate agents who offer this to clients. They tend to not really care about the customer…it is a business transaction like anything else, and while commercials make it sound like a wonderful deal for older folks, it usually is not. What the RE agent is interested in is his/her commission…know that up front, before signing anything. I think that a HELOC or Home Loan is a better move, if an elderly person needs to put a new roof on their home, or something like that.
The part that you are forgetting is that you have to make payments on home equity loans. In retirement, a lot of folks are house rich and cash poor. It is a way for them to have a more comfortable retirement. You can't take it with you when you leave this earth.
"wondering how difficult it is to take care of all the details after the homeowners pass away."
Our elderly neighbors had a reverse mortgage and it was a nightmare for their adult children to deal with – i.e. prepping the house for sale, dealing with the sale details, all long distance, at the same time as dealing with the funeral arrangements (both died within 6 months of each other).
They were happy to make enough off the sale of the house to settle the debt, the cost of cleaning out the house ($800 for dumpter service alone), pay the real estate agent commission and be done with it. I think the person(s) responsible for the estate should also be required to sign off on the reverse mortgage to be aware of what it will entail on their part.
My wife's grandparent's friends are considering this. Her grandfather is a real estate agent and is helping with the process. I think, based on this article mostly, they aren't the best idea but the reverse mortgage has it's uses. It sounds like when the you die, the heirs can choose to let the mortgage company take over the home. So if you don't have heirs or aren't sentimental about them taking over the house, it could be a good option.
I don't like the idea just because you know you'll have to pay it back somehow. Companies do not give money away for nothing so you know somehow they will make money. It seems sort of sneaky to me.
ETA The more I think about it, it probably would be a pain to deal with selling the house or dealing with the mortgage. However, you have to do that anyway. But maybe there are time limits that make it substantially more difficult.
The home is the payment. You do not have to pay anything beyond that.
Fees can run as much as 8% – 10% of the VALUE OF THE HOME (not 8% interest). Assuming folks own their home outright, they will be able to take out 50% – 70% of its current value.
This is a very profitable and no risk product to sell; its a loser all around for the homeowner.
Merry Christmas Everyone
My wife's grandparents did a reverse mortgage- they got a lump sum payment but the money didn't last very long. Once it was gone their financial problems were all back, some were worse than ever because of additional health care costs.
If they had taken regular payments I think they would have been happier. The money certainly would have lasted much longer and would likely have been spent wiser too.
A reverse mortgage has a place as a last resort, but I would never consider it if there are other alternatives… Losing 10% of your home's value is just too big of a loss!
-Rick Francis
I think this might be a good idea for someone who wants to stay in their house — and most people do want to "age in place" if they can — especially those with no desire to leave an estate (more and more people are childless or have children who don't need an inheritance). The fact that "You also keep the title to the home and can never be forced to move as long as you pay the property taxes and insurance" might make a lot of people feel more secure, in a way that selling a house to get the equity out would not.
It would also be interesting to see how the cost of using this source of funds compares to paying the premiums for many years on long-term care insurance. My (former now) employer offered long-term care insurance as an option, but after reading all the material and attending a Q&A with the insurance company representative I decided against it. The insurance company had a lot of restrictions on when the insurance would actually be available, and they would be making all the decisions about who/what you could pay for with those funds. Just as bad or worse than medical insurance! I've also seen research that indicates that most people don't actually need "long-term care" — that is, the kind of care that the insurance would actually cover usually doesn't last more than a few years, and if one were disciplined, a separate savings account in the same amount as the premiums you might pay for the insurance might provide almost as much care with no restrictions at all.
Long term care insurance isn't like disability insurance, which I didn't mind paying for at all.
My co-worker's mother did a reverse mortgage this year. She is someone that benefited from this type loan option. Her husband is deceased and she needed immediate funds to cover her healthcare expenses. Her children were not interested in inheriting her home, but could not help finiancially with her medical expenses. Their plan is to sell the home when she passes to pay off the reverse mortgage. For her situation, this allows her to have the healthcare she needs without having to give up her home today.
I think one should tread very carefully before jumping into a reverse mortgage. In the example outlined in the post, I think its a good idea, but I also know that some less than ethical people out there try to market these things to people to whom it would do nothing but harm.
My sons' father is 62, lost his job last spring and took out a reverse mortgage this summer since he's been unable to find a job. I thought the better option would have been for him to start social security, but maybe he did that, too. I was rather astounded that he'd consider a reverse mortgage at age 62.
Elisabeth (@20), the premiums for LTC for my husband are $2100 a year. The cost of a nursing home or home care is more than $3000 a month right now. I don't think saving up $2100 a year would pay for a year's worth of care, especially if costs go up, which I assume they will.
"I don't like the idea just because you know you'll have to pay it back somehow. Companies do not give money away for nothing so you know somehow they will make money. It seems sort of sneaky to me."
Exactly. Considering how strongly the financial industry is pushing reverse mortgages – like they did with interest-only loans, ARMs, etc. (and look where that got us), I'd stay far far away.
Of course it has to be paid back. The home is payment. The home is sold and the loan is paid back. Any remaining equity goes to the heirs. If the heirs want the home they can take out their own loan and buy it. If there is no equity left and the house isn't worth what the loan payoff is. It does NOT matter. You cannot leave a debt to anyway. The house is the only payment.
Is there a version of the reverse mortgage loan where they use your home as collateral and keep paying you only to keep the home at the end of the annuity or if you die (whichever comes first)? That would seem like a better deal!
What if the originator of the product goes belly up?
Yes there is an option where they can give you monthly payments until you permanently leave the home. If the lender goes belly up as you put it, it does not matter because they are FHA insured so that you are guaranteed to get your payments.
Q: Is there a version of the reverse mortgage loan where they use your home as collateral and keep paying you only to keep the home at the end of the annuity or if you die (whichever comes first)? That would seem like a better deal!
I am in Europe (France) and this is how it works here. It is usually until the person dies, but it can also be for a fixed number of years. What's more, banks and other lending institutions have only just started to offer reverse mortgages. Until very recently, reverse mortgages were only negotiated between private parties. The majority of them still are. Perhaps they are more popular here because HELs and HELOCS do not exist here. There are real estate listings for private reverse mortgages like there are for regular homes or apartments.
I may be thinking of a different product, but didn't reverse mortgages become popular in the '80s for AIDS patients who knew they didn't have long to live but needed money quickly for treatments? I remember reading at that time that they were willing to pay the high fees because they were desperate and really had no other choice. It seems to me that the banks saw a great opportunity to expand the program to slightly less desperate people.
@Sheila – nursing home care is far more than $3000 a month. You may be thinking of assisted living which currently averages that much for light to moderate needs. I wouldn't be surprised if nursing home care averaged close to $10,000 a month or more. It may depend on the state and incapacity of the patient.
Just googled the costs of a nursing home… Looks like its just over $6k on average but varies wildly by state.
Can someone explain this line to me:
"After the past year's market performance, it's worth noting that no matter what happens with the housing market, the amount owed on a reverse mortgage never exceeds its market value at the time a house is sold."
I have read and re-read that and I do not understand what it is saying.
the originators debt is:
1. Insured
2. would be bought by another bank.
The lendee would not be in danger of losing home unless they fail to pay taxes, Ins etc..
My take is that reverse mortgages are a horrible idea. My parents and I are in agreement that under no circumstances will we be doing this with their home.
It's a financial option for people who failed to plan for their retirement adequately, and are now desperate to maintain a standard of living.
The "financial experts" are also the ones that brought us to near financial ruin last year with all their shenanigans surrounding home mortgages. This is just another one of those vehicles designed to enrich the banks and enslave the homeowner with debt.
The poster above has reverse mortgages exactly right — it's the process of going from a position of less debt, to one of more debt. When it's time to settle my parents' estate, I do not want to be in a position of settling debt on a house they now own outright.
The house is the only payment for the house. You do not leave a debt with a reverse mortgage. The house is after all your parents home. I don't know where the children get the idea that the home is theirs. I suppose you think that selling their home and getting the money for yourself is easier than selling the home and paying back the mortgage?
While I too believe that reverse mortgages are too expensive to be a good option for many homebuyers, it seems to me that many of the comments on this post are from children of people who would be a target for this product.
Many of those comments, especially #31, come from what seems to me to be a very selfish standpoint, e.g. – "I do not want to be in a position of settling debt on a house they now own outright".
It seems like some of these "children" have already inherited the house in their minds! If the house still belongs to your parents/grandparents, the equity in it is theirs to use as they choose! It is not their job to leave you in a fine financial position when they die. If you don't want the responsibility, don't be the executor! Ask to be left out of the estate planning!
Clearly there are many people who live in homes that are paid off, but have a need for cash. There are many solutions to this problem, including HELOCs, reverse mortgages, etc, but it can't be ignored that many elderly will need access to capital.
Here is my solution (pay special attention here "kids"). Buy the house from your parents NOW. The money they make from the sale of the home will likely be tax free. Rent the property back to your parents at an agreed upon amount. This will give them ALL of the money they might otherwise get from a high-fee source, such as those mentioned above. They should be able to pay the rent for many years with the proceeds as well as other living expenses. There are probably ways to structure this to make it even more advantageous, but talk to your lawyer and accountant about that. As the owner of a rental property, you will be able to deduct the expenses for traveling back to your property to check on it (I would suggest checking on your property frequently to ensure it is in good condition, especially around the holidays! ) as well as other rental property-related expenses.
Hope you all are enjoying the last days of 2009! Happy new year!
I think a reverse mortgage is a good idea if a) you live in your house until you die b) you live a long time and c) you don't want to leave the house to anyone. However if you have to move into nursing care or assisted living you could be seriously screwed. My grandmother sold her house at the peak of the market, and that money will pay for her care in assisted living for the rest of her life. Her brother did not sell and now he cannot sell, and if he should need nursing care he would probably be at the mercy of Medicaid. A reverse mortgage MIGHT work for him if the amount would cover in-home care should he need it.
There are just too many ifs.
This is for #32:
You want me to absolve myself of responsibility to my parents? I'm the only person my parents have to take care of their issues. If I'm not the executor of their estate, it will be left up to the state to determine what happens to their bodies and possessions when they leave this earth. I am their only child.
How dare you presume that my position is a selfish one — my parents worked hard all their lives, and have a modest but quite adequate retirement. They own their home outright. When it passes to me, it won't be worth much — i'ts not an extravagant home. It's also part of THEIR plan, to leave it to me. It's IMPORTANT to them. It's part of THEIR plan, not to leave me with their debt to clear up.
You think it's such a bright idea to "buy" my parents' home from them now and "rent" it back to them — you want me to do something that would take away something they value, their paid-up home? My parents DO NOT need my financial help right now — they are fine — they planned to live their old age with dignity. They do need the pride of ownership of their home.
None of this changes that reverse mortgages are scams, fit for people who didn't plan well.
Generally I don't think reverse mortgages are a good idea except as an option of last resort. If you have no retirement savings and minimal retirement income but you have substantial equity in your home then it might be an OK idea. But thats about the ONLY situation that I'd do it. Generally downgrading your home or moving into an seniors apartment is likely a better option even for low income folks. If you do want to pursue a reverse mortgage then I'd definitely scrutinize them to look for one with decent fees and return as I'm sure there are a lot of pretty poor deals out there.
This post from the Calulated Risk blog has a lot of detail about how they work. I think the conclusion is that they sometimes make sense, but could easily be used to take advantage of people, and therefore, should be heavily regulated.
Oh geez. These are now being talked about as being a 'sometimes' good thing? I see where the next financial meltdown will be coming from.
Everyone who gets one will think it makes sense for them, that they understand the risks, and they can manage the risks. Banks will push them because they get collateral and interest on a property that should have already been paid for. Duh.
They are financial time bombs for the financially illiterate, just like ARMs. There's going to be a lot of seniors with debt if this becomes the new bandwagon. There is no such thing as 'retirement' if you have debt.
This is a very clever way for banks to pass on debt to next of kin. Stay away. Far away.
I'll be sure to pull my investment money into safer bonds in 10-20 years if this become the 'hot' finance topic.
You cannot pass on debt from a reverse mortgage. People please educate yourselves before spouting off on topics you know nothing about.
I have been in the mortgage business for over 25 years. I was excited about reverse mtgs as a concept but the more I know the less I can suggest this product to anyone and still sleep at night. There is a narrow band of people this is appropriate for. The rest are being gouged in fees both by the lender and the government. On a regular fha loan where the government insures a loan with an ltv of 97% the gov charges less than they do on a reverse with an ltv of about 65%. All the lenders use the same software so all of the fees they quote are the same inflated numbers and they will imply that the fees are all set by HUD. The maximums are set by HUD and those are the numbers they will quote. It is nothing more than the ultimate negative amortization loan with staggering up front costs. All of the lenders also quote a $30 to $35 per month servicing fee. Now I know what I pay for when I have my furnace serviced but what the hell is the lender doing for $35 per month. Ask and you'll be told oh thats for servicing. There is no such thing…or rather the customer is getting serviced like they do on a farm…If you could find an honest lender that would cut the fees it could be a decent product for a few. The lenders loan fee is totally discretionary although they won't tell you that. Also realize that 98% of the loan reps offering this product are commissioned sales people many of whom pay a desk fee and are 100% commission. Oh the stories I could tell….best wishes ….Dan
My mother took out a reverse mortgage after my father died to supplement social security and pay bills. Now she has died and there is no equity in the home. In addition, with house prices the way they are, it's unlikely I will recoup any money if the house is put on the market. The end result? I'm walking away from the house and turning it over to the bank. If a parent wants to pass on equity to his or her children, don't take out a reverse mortgage.
Good for your Mom. Children of today have the entitlement mentality. Aren't you happy that she had something to use to be able to pay her bills?
My mother had a reverse mortgage on the home I grew up in. Here's what a total rip off they are.
She got it in 1995 and they appraised the home at 80k. She got 90% of that as a reverse mortgage where they paid her $8k up front for closing costs then $180 a month for 13 years. The 1st year alone loan balance was over $11000 because they charged 13.5% interest!!
In 13 years the whole equity in the home was used up!
She just passed away last Dec. '09 and now the crooks at Financial Freedom Acquisition are sending letters wanting the heirs to pay them back.
Who are they kidding…the property is in Titusville Florida which is ground zero for a massive housing bust as it's next to Kennedy Space Center where 7000 or more layoffs are starting this year with the Space Shuttle program ending.
I'll call the bank in a year & offer what they gave my mom…$20,000 for the house. Bet they take it.
NEVER NEVER let your family do these deals..they are the worst financial deal you could ever do.
Get a prime equity line at 3% and invest it in high yielding stocks before doing this…
why should parents/grandparents leave the children anything??Did they help pay the mtge.taxes,paint etc??To the ones that did, god bless.
Hey why can't my wife and I,if we choose get some of that back,and enjoy the money.Most young people today still expect the parents to take care of them.It should be the other way around.Whatever is left they can have it.


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Reader Comments (Page 1 of 1)
Communism has very, very little to do with it. China literally invented bureaucracy. And I'm not talking Industrial Age, this is B.C. timeframe. If China were to turn into a full representative democracy tomorrow, not much would change because of centuries of entrenched bureaucratic philosophy. This whole fight is nothing more than upper level office jockeys in a peeing contest.
Communism is just the label that happens to apply to a semi-freemarket capitalist oligarchosocialist state. The only accurate label that can be applied to China is "China."
Ok, so instead of saying "Communism is backwards", we should just say "China is backwards"? I'm fine with that. Fuck China. They are a bunch of insecure, xenophobic, power-hungry, greedy assholes.
Somehow I feel like this will be a little worse received than "Communism is backwards".

subset: commoncrawl


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The UCL Leadership Programme
We are in the process of reviewing our in-house learning offer on Leadership and Management Development with a view to putting in place an enhanced offer during the course of the 2012/13 academic year. We aim to ensure that this will provide an integrated and progressive framework to support UCL people to develop the leadership and management skills they need at each stage of their career. In the meantime, our existing leadership and management modules which have received positive feedback from learners will continue to be available to be taken on a stand alone basis or in combination according to individual need.
Please note that all sessions are free to UCL staff and are likely to book up quickly. Should any places remain within a fortnight of the start of the course, these will be offered to members of other higher education institutions.
Programme Modules
Leading Change in Higher Education (1 day)
This module will focus on applying change theories within your group, team, department or faculty. If the management of change is about processes that keep the system running smoothly, then leadership is about defining the future and helping to align people with that future. In universities, the leadership of change is not solely in the domain of senior management, but extends to many levels within the organisation. This day long session will give you confidence to lead change by:
- establishing a vision through involvement and real consultation
- empowering others to act
- planning for short and long-term success
- applying some theories of change management and leadership
Please see Leading Change in Higher Education for more information
Power and Influence (1 day)
During this half day session you will be invited to critique issues of power and influence within the higher education context. The session will explore personal power and circles of influence and control and how to use these to negotiate effectively at both strategic and operational levels. The session will explore:
- theories of organisational behaviour
- the dynamics of power and influence within the higher education sector
- what constraints and freedoms we have as leaders and managers within our institutional context.
Please see Power and Influence for more information
Strategic Financial Planning and Budgeting (1/2 day)
This half day module will look at the current and longer term (over the next 5 years) UCL financial position and will consider what we can do to influence the longer term outcome. (Please note: detailed budgeting and forecasting will not be covered in this workshop)
Please see Strategic Financial Planning and Budgeting for more information
Strategic Leadership (1 day)
This one-day module will look at the theories and practice of strategic leadership in a higher education context. You will be invited to look at real scenarios within UCL, where you need to work strategically to develop the activities of your team, division, department, or faculty. The module will cover:
- definitions of strategic leadership
- linking vision with strategy
- creating a strategy for your team, group, department or faculty
- strategic planning
- leading creative people.
- what can be learnt from outside of the HE sector
Please see Strategic Leadership for more information
See also


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By IndiaTimes | February 21, 2014, 12:00 pm IST Bollywood
The 6th Top Gear Awards not only awarded the best of the best in the world of cars and bikes, but was a glitzy evening attended by BTown's glam babes and hunks. Here's a look at all the celeb action from the event.
ADITI RAO HYDARI, KUNAL KAPOOR AT 6th TOP GEAR AWARDS


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The Iceman
Hit man Richard Kuklinski (Michael Shannon) earns a well-deserved reputation as a cold-blooded killer but manages to keep his violent profession a secret from his wife (Winona Ryder) and children for years.
Release Date: May 03, 2013
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I love this movie. I love a good drama. This movie is awesome with a cast that is very well talented. This one of Michael Shannon's best roles ever. Even better than being in "Revolutionary Road". Chris Evans is the scene stealer with a cold personality. Ten times different than Captain America. David Schwimmer is very unrecognizable. This is a true story and it's dark that is worth seeing.May 10th, 2013 · Details2 Thanks ·
This overall was a good movie, I did not expect that to be the case but it surprised me. I would recommend this to adult friends as it gets pretty gory.October 14th, 2013 · Details
cool oneMay 24th, 2013 · Details
Co-writer/director Ariel Vroman keeps the screen dark — dingy lounges and dark alleys — and the mood forboding, as character players like Robert Davi show up to remind the killer that "Life can be very random,sometimes."... See Full Review
Michael Shannon's brooding performance as a merciless hit man is spot-on... See Full Review


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Twilight Tuesdays w/ Dormaine & Janice New Paranormal Favorites
in Books
Tune in for another fun chat with authors Dormaine G & Janice Ross for another Twilight Tuesday. They'll be discussing several new shows.
Wednesday, March 26, 3 pm ET, The Halli Casser-Jayne Show, Talk Radio for Fine Minds enters The Twilight Zone when Anne Serling, daughter of The Twilight Zone's creator, Rod Serling, visits The Halli Casser-Jayne Show.
"There is a fifth dimension beyond that which is known to man. It is a dimension as vast as space and as timeless as infinity. It is the middle ground between light and shadow, between science and superstition, and it lies between the pit of man's fears and the summit of his knowledge. This is the dimension of imagination. It is an area which we call the Twilight Zone." Thus began one of the most iconic television shows of all time written by one of the giants of early television and beyond, Rod Serling.
In the incomparable biography of her father, As I Knew Him, Anne Serling, Rod's youngest daughter, has written a brilliant send-up to her father that Robert Redford calls "a haunting and beautifully written memoir." Tender, thoughtful, the book is as magical as the father she writes about, a lyrical, intimate tribute to Rod Serling's legacy as visionary, storyteller, and humanist, and a moving testament to the love between fathers and daughters. It is filled with surprises, proving that Serling was right: Everything is not as it seems.
Join us for Beyond The Twilight Zone. Tune in to The Halli Casser-Jayne Show, Talk Radio for Fine Minds with biographer Anne Serling, Wednesday, March 26, 3 pm ET at Halli Casser-Jayne dot com.
Morning Twilight
This is our early morning show at dawn in the twilight before sunrise each day.
This is our first broadcast for mornings and it's short and sweet to begin the day.
Twilight Tuesdays w/ Dormaine & Janice - The Zombie Phenomenon
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You don't want to miss this show. We'll be chatting about one of our faves, The Walking Dead, and the newest zombie release - Z Nation.
Twilight Tuesdays w/ Dormaine & Janice - Fall Lineup
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Tune in as we discuss the shows we're most excited about this fall. We truly value the paranormal/horror genre and are enthusiatic about what the creatures have in store.
Be sure to call in with your input!
Twilight Tuesdays w/ Dormaine & Janice - Fall Shows
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We're discussing our Fall pics for 2014, and what's caught our eyes. We'll even be covering our predictions for some of the hottest Paranormal shows. Be sure to tune in
Unlimited Life - Twilight Brigade - Compassion in Action
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Join Host Nicole Brandon for 90 minutes at 4 PM Eastern.
Host Nicole Brandon is one of the most sought after speakers in the world today. From Health, and Wellness to Wealth and Ultimate Success her seemingly unlimited well of information is simply mind boggling.
Please visit Nicole's website:
Nicole's Guest - Shelley Whizzin
Shelley Whizzin is a facilitator for the Dannion Brinkley Twilight Brigade.
The Twilight Brigade is one of the largest end-of-life care communities operating as an independent agency within VA hospitals and hospice care facilities across America.
The Twilight Brigade Chairman, Dannion Brinkley, and the approximately 5,500 volunteers nationwide that collectively make up The Twilight Brigade, are dedicated to being at the bedside of our nation's dying, especially Veterans.
To learn more about the Twilight Brigade please visit: http://thetwilightbrigade.com/
To learn more about Shelly please visit her website: http://sswhizin.com/
Southern California Political Round-Up with Special Guest Suzanne Fuentes
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Show: Southern California Political Round-Up
Hosted by: John Stammreich Co-Host: Matt Kauble
Topic: Minimum Wage in Los Angeles & Local Cities
El Segundo Mayor Suzanne Fuentes talks about her experience debating LA Mayor Garcetti on minium wage.
Special Guest: Suzanne Fuentes, Mayor, City of El Segundo
Twilight Night!
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It's All About Twilight tonight!!
Tune in to win a signed picture from some of the wolf pack guys!!
Twilight Tuesday (Paranormal Creatures)
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Tune in for a discussion with authors Dormaine G & Janice Ross, as they chat about vampires, werewolves and other fascinating creatures.
Twilight Tuesdays w/ Dormaine & Janice : Horror
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Join Dormaine G & Janice Ross as they discuss the Horror, Paranormal and Sci-Fi genres in published works.
John Morris for County Assessor on Southern California Political Round-Up
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Show: Southern California Political Round-Up
Host:John Stammreich & Matt Kauble
Topic: John Morris for Los Angeles County Assessor
Special Guest: John Morrised, candidate for Los Angeles County Assessor
John and Matt discuss the heated and scandal course race for LA County Assessor with John Morris LA
District Prosecuter runnin to clean up that office.
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Website: www.morrisforassessor.com
Air Date: Sunday, August 17, 2014
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John Hodge, (16?? - 1679)
John Hodge is the only known ancestor in this lineage. I have found no information to help estimate a birth year. The first record for John Hodge is the 18 JAN 1677/78 court record naming his wife, Margaret Hodge as the relict (widow) of John Cooper of Surry County, Virginia. John Hodge then wrote his own will on 17 MAY 1679 and it was probated on 1 JUL 1679 in Surry County.
Margaret Hodge, wife of John Hodge was born Margaret PHILLIPS. She first married John COOPER. John and Margaret Cooper had one daughter:
- Elizabeth Cooper - bc. 1675/76 m. Edward ROWELL
Margaret (Phillips) Cooper second married to John Hodge. They had two children:
- James Hodge -
- Mary Hodge - bc. 1678 Surry County, VA. She was married to Bray HARGRAVE by 1690. See the HARGRAVE Family Chapter for more information about them and their descendants.
By 1 JUL 1679 Margaret Phillips Cooper Hodge was known as Margaret Hunnicutt, relict of John Hodge, wife of Augustine HUNNICUTT. Augustine and Margaret Hunnicutt had three children of their own:
- Ann Hunnicutt - m. Augustine BERRYMAN
- Augustine Hunnicutt, Jr. - m. unknown and had children. He dc. 1743 Surry County, VA.


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3. Executive Summary
In section 5 we look at the performance and use of the range of services offered by OUCS throughout 2009-2010. Different services will report in different ways, but wherever possible we have tried to also break down usage according to the academic divisions and other units within the University, in line with the implementation of the Type 123 funding model.
In summary we would like to highlight the following major trends and findings:
- the size and use of the network continues to expand – traffic has risen from 14.5TB/day in 2007-2008 to 22.3TB/day in 2008-2009 to 29.5TB/day and the number of registered hosts is now nearly 85,000 (see section 5.1);
- cybersecurity threats continue to be a major issue and this year saw a marked increase in the number of keylogger attacks (see 5.6);
- this was the last full-year of the Herald email service (in 2009-2010 we move to Nexus) but once again we notice the amount of email traffic increasing (see 6.13 and 6.2) and also the amount of spam (we reject about 87% of the amount of messages received each day, allowing around 560,000 through);
- the Nexus Exchange service has gone from a standing start in July 2009 to 44,500 users and nearly 50,000 mailboxes in 12 months — fewer than 10% of users said they were unsatisfied with the new service (see 5.4);
- demand for the HFS continues to increase with and we are quickly approaching the petabyte storage milestone (see 5.4);
- by analyzing client data across our services and surveying users we are observing an increased penetration of Apple computers (now over 30% of Freshers) and an increased demand for support for Macs;
- the Webauth Single Sign-On system is now being used across the University – not just for services provided centrally but also for those run by local units (there were 136 non-OUCS Webauth services across the University in 2009, and this rose to 174 by 2010). The Shibboleth service is also now firmly established (23,886 distinct users in 2009 rising to 31,588 in 2010 — see 5.3);
- all our services are witnessing increased usage including our advisory and training services, and Weblearn;
- all the divisions make substantial use of our services, but they are also heavily used by the Colleges and central units;
- the demand for additional services provided by our NSMS service continues to grow as many faculties and departments seek to offload some of their IT support issues to OUCS (5.21);
- requests for support for learning, teaching, and research are on the increase and projects such as the iTunes U service have attracted considerable support interest.
In section 6 we then report on the numerous projects we have undertaken over the year. These are absolutely key to the future of OUCS as they provide external funding at a time when resources are severely stretched that allow us to take forward the development of key University services and explore new possibilities.
Up: Contents Previous: 2. Introduction to Oxford University Computing Services (OUCS) Next: 4. Strategic Issues and Development


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George Benson was only 21 when, on May 1, 1964, he recorded his first album as a leader, The New Boss Guitar of George Benson. At that point, the guitarist had yet to become a huge name in jazz, although many of those who knew Benson for his work with Jack McDuff's group (which he joined in 1962) agreed that he showed great potential. Benson still had some growing to do in 1964, but even so, this is an impressive debut. The guitarist had developed a distinctive, recognizable sound on his instrument, and he plays with both feeling and technique on five Benson originals (including the sly "Shadow Dancers," the exuberant "Rock-A-Bye," and the earthy blues "I Don't Know") as well as interpretations of "Easy Living" and "Will You Still Be Mine." Benson, of course, had an insightful teacher in McDuff, who plays both organ and piano on this hard bop/soul-jazz date. Tenor saxophonist Red Holloway, another member of McDuff's early '60s group, is also on board, as are bassist Ronnie Boykins and drummer Montego Joe. Originally released on LP by Prestige, The New Boss Guitar of George Benson was reissued on CD for Fantasy's Original Jazz Classics series in 1990 (where Fantasy added "My Three Sons," a driving bonus track that finds Benson, McDuff and Holloway appearing on drummer Joe Dukes' The Soulful Drums session of May 14, 1964). In 1964, Benson's best work was yet to come — nonetheless, this album is historically important as well as rewarding. – Alex Hendersonmore »
The New Boss Guitar
George Benson
We're sorry. This album is unavailable for download in your country (United States) at this time.


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US jobless aid applications fall to 5-year low
WASHINGTON (AP) -- The average number of people seeking unemployment benefits over the past month fell to the lowest level since March 2008, a sign that the job market is healing.
The Labor Department said Thursday that weekly applications dropped 12,000 to a seasonally adjusted 350,000 in the week ended Dec. 22. The four-week average, a less volatile measure, fell to a nearly five-year low of 356,750.
Are you a newspaper subscriber but you don't have a Digital Access account yet? https://secure.forumcomm.com/?publisher_ID=40&event=subscriber/lookup.
You will need your subscription account number and phone number. Not sure if you have an account? Email us at firstname.lastname@example.com and we can help you.


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As we were being ushered into the back of the plane, I remember seeing Hillary Clinton wearing a red jacket and talking on her cell phone ......Read More
Getty Images photographer Mario Tama recalls: True to form, they put on their game faces as they approached the stage where I made this frame. ...Read More
Working the rope line doeesn't always yield such expressive images. Photographer Chip Somodevilla recalls how he captured one in particular....Read More
Justin Sullivan (l) and Mark Wilson (r) along with Special Events Technology Manager, Bob Covington pose and posture in front of the US Capitol West Front, site of the 44th Inaugural, following successful tests of...Read More
Mario Tama/Getty Images Mario Tama details the stories behind his powerful images of 9/11, the US presidential election and pre- and post-Hurricane Katrina New Orleans. Click here to watch and listen....Read More
Bush Welcomes President-Elect Obama To White House WASHINGTON – NOVEMBER 10: (AFP OUT) U.S. President George W. Bush (L) and Laura Bush (2nd-L) greet U.S. President-elect Barack Obama (R) and his wife Michelle Obama (2nd-R)...Read More
Barack Obama Holds Election Night Gathering In Chicago's Grant Park CHICAGO – NOVEMBER 04: U.S. President elect Barack Obama gestures on stage during an election night gathering in Grant Park on November 4, 2008 in...Read More
Pro-Voting Female Demonstrators Two smiling women stand outdoors and hold signs reading 'Vote Baby Vote' and 'Voting is People Power,' c. 1970. (Photo by Gabriel Hackett /Getty Images) Suffrage March Full-length image of a group...Read More
EMMANUEL DUNAND/AFP/Getty Images Chip Somodevilla/Getty Images STAN HONDA/AFP/Getty Images Chip Somodevilla/Getty Images...Read More
'Joe the Plumber,' whose real name is Samuel Wurzelbacher, talks to Meghan McCain, daughter of Republican presidential candidate John McCain, during a campaign rally October 30, 2008 at Mentor High School in Mentor, Ohio, during...Read More
Supporter Allyson Dennis wears campaign buttons on her lanyard at a campaign rally by US Republican presidential candidate John McCain at the New Mexico State Fair Grounds in Albuquerque, New Mexico on October 25, 2008....Read More
Two Halloween pumpkins with the faces of Democratic presidential candidate Illinois Senator Barack Obama (L) and Republican presidential candidate Arizona Senator John McCain (R), carved by Hugh McMahon, are displayed October 24, 2008 at an...Read More
Today we woke up early to watch the last presidential debate live. The Indian coverage of the election has been extensive here, both in the papers and on TV. I have been keeping an eye...Read More
Barack Obama Campaign Weeks Away From Election Day CHANTILLY, VA- OCTOBER 22: Democratic presidential nominee U.S. Sen. Barack Obama (D-IL) fists bumps with Ethan Gibbs the son of Robert Gibbs the campaign communication director as...Read More


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If the thought of running a family business seems like fun, well, it can be. Just ask brothers Bob and Gerald Johnson. This year they mark 40 years of The Charlotte Post as a family-run newspaper.
The Charlotte Mecklenburg Black Chamber, which has been around for about 10 years and currently has about 300 members, is undergoing a relaunch of sorts.
Daniel McCready, a graduate of Myers Park High School, is founder of This Land (thisland.com), a retail website that sells products handmade by American craftspeople.
In the 1990s, B.J. Murphy's and Keith Richards' social and political commentary on their 'Breakfast Brothas' morning radio show drew big audiences in Charlotte. These days, they're taking a different path to be heard
Sustainability. It's what every business leader strives to achieve. But when your mission involves serving the poor, finding a business model that works can be all the more daunting.
Of all the things I've tried, my weekly newsletters, sent via email, have been, by far, my most effective tools for branding and customer engagement. But do you know the rules for engaging in electronic communication with clients?
Unless we are fortunate enough to achieve overnight riches like some of the Internet rock stars we read about, most of us must be content to build our businesses despite the inevitable failures.
A common mistake business owners make is saying too much, says Joe McCormack, a Chicago business consultant who has written a new book, "Brief: Make a Bigger Impact by Saying Less."
After decades of watching others thrive, merchants in Historic West End have taken up the branding cause. In shops and local businesses, they meet to brainstorm ideas they hope will spur economic growth. The effort is part of a broader initiative sponsored by Historic West End Partners, a nonprofit formed in 2010 to promote the areas culture and development while honoring its history and heritage.


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Ericsson has been made aware of an online email campaign claiming that Ericsson will give away a free laptop computer to users who forward the promotional information. The same campaign includes a photograph of a Sony Ericsson logo and mentions an Ericsson contact name and email number.
At a mobile money conference held recently in Johannesburg, Rajiv Bhatia, Ericsson head of mobile commerce sales EMEA, stated that airtime could be used as an incentive to drive the uptake and usage of mobile money services in countries where its growth has been sluggish.
with data traffic doubling year-on-year between 2013 and 2015. By 2019 there will be 930 million mobile subscriptions and more than 550million smartphones.
Acquisition extends Ericsson's overall leadership position in TV&Media to create cloud solutions for TV Anywhere services.
Services designed to manage secure contribution, archiving and media processing in the public and private cloud.
Report looks at changing consumer behaviors and values as well as growing willingness to pay for anywhere access.
Ericsson Zimbabwe (Private) Limited - Ground Floor, Building 6 Harare - 2891 -Zimbabwe -Phone: +263 4 75 28 11


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I have a relative who is relocating to my town from overseas with her husband, she'll be 30-31 weeks at the time. Does anyone know if there are any issues with finding an OB at late term? I called a couple practices here but couldn't really get a definite answer, I was told at both places that if there was no prenatal care prior to 24 weeks, the pregnancy will be regarded as "high risk" and referred to high risk OB. But she does have ongoing prenatal care and is already putting together all the records to be translated and all... It's her first pregnancy, she's under 30, and so far doesn't have any complications. One of the places told me to send all records to their office and that their drs will review everything and determine if they will accept her. Is that a standard practice? I know I'll be the one helping them out with finding doctors/hospital so I wonder if I should look for a high risk OB from the start?
Any OBs or nurses or moms with experience willing to chime in?
ETA: They will be paying out of pocket for OB and delivery, if that matters (no insurance yet).


text: upyo upyo.net iPhone has a feature called dropbox which can move files between devices in different states. Outsourcing iPhone software development provides better security and improved real-time e-mail delivery systems which cater to the need of business users and their company. Outsourcing iPhone software development helps in keeping track of the invoices,manages the e-bay storefront,It also facilitates credit card payments through its iterminal option. There is another feature called encamp which is an project management and collaboration tool. The foremost feature of the latest version of iPhone ie. iPhone 4 is multitasking between applications.


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Cambridge University Press publishes revolutionary new Academic textbook on Aboriginal Health
Cambridge University Press has announced it will publish Yatdjuligin: Aboriginal and Torres Strait Islander Nursing and Midwifery Care.19 September 2014
Cambridge University Press welcomes two new global partners for its online academic platform
Cambridge University Press has announced two new international partners for its epublishing service, University Publishing Online.11 September 2014
Cambridge University Press to publish Antiquity from 2015
Cambridge University Press is delighted to announce that it is partnering with Antiquity Publications Ltd to publish Antiquity from 2015.8 September 2014
Cambridge University Press announce a twelfth successive year of sales growth
2013/4 Annual report outlines sales growth in a year of digital development and investment.20 August 2014
Press signs historians' 'call to arms'
In October, the Press will publish simultaneously in Open Access and in print a book by two internationally renowned historians that reconsiders the role of history in the digital age and urges a return to its traditional mission as a guide to public life.14 August 2014
Cambridge title named joint winner of the Shakespeare's Globe Book Award
Eating and Ethics in Shakespeare's England by David B Goldstein has been named joint winner of the Shakespeare's Globe Book Award.8 August 2014
Cambridge announce new Spoken Corpus
Cambridge University Press and the ESRC-funded Centre for Corpus Approaches to Social Science (CASS) at Lancaster University have agreed to collaborate on the compilation of a new, publicly accessible corpus of spoken British English called the 'Spoken British National Corpus 2014' (the Spoken BNC2014).28 July 2014
Powerful Germans to crush unconvincing Argentinians in 2014 FIFA World Cup™ final
Cambridge University Press experts analyse team language throughout tournament.11 July 2014
Press title shortlisted for Ernest Scott Prize 2014
Anzac Journeys: Returning to the Battlefields of World War II by Bruce Scates is on the shortlist for the Ernest Scott Prize 2014.27 June 2014
New film provides glimpse into oldest publisher's history
Cambridge University Press has created a new film showcasing the Press Museum.2 May 2014
F Scott Fitzgerald stories published uncensored for the first time
Censored material that was previously removed from F Scott Fitzgerald's short stories are now being restored to their original format in a new edition published by Cambridge University Press.1 May 2014
Cambridge author wins Intelligence Book of the Year Award
Christopher Moran has been named the winner of the 2014 St Ermin's Hotel Intelligence Book of the Year Award for Classified: Secrecy and the State in Modern Britain, published by Cambridge University Press.1 May 2014
Society for Healthcare Epidemiology of America and Cambridge University Press Announce Publishing Partnership
SHEA and Cambridge Journals have announced a new publishing partnership for SHEA's flagship scientific publication: Infection Control and Hospital Epidemiology (ICHE).30 April 2014
Cambridge University Press and Edinumen Sign North America Partnership
Cambridge University Press has announced a seven-year partnership with leading Spanish language publisher Edinumen, which will see one of the world's foremost English Language Teaching (ELT) publishers working with Edinumen to enter the Spanish language market in North America.24 April 2014
Cambridge attends the London Book Fair 2014
Cambridge University Press is attending the London Book Fair from Tuesday, 8 to Thursday, 10 April, at Earls Court. The London Book Fair is the global marketplace across the entire publishing industry, and the Press is at stand K305, EC1.8 April 2014
Cambridge–Hitachi announce Penpals at Home
Cambridge–Hitachi has announced that new titles in the bestselling Penpals for Handwriting series will be the first to incorporate brand new digital watermarking technology developed by Hitachi Solutions.7 April 2014
Cambridge Journals launches new open access journal
Cambridge University Press announces a major new open access journal, Global Mental Health (GMH), focusing on mental health research and issues from the global perspective.4 April 2014
World Book Day gets digital at Cambridge University Press
In partnership with Business in the Community (BITC), Cambridge University Press welcomed 160 students from 13 local secondary schools and sixth form colleges to celebrate World Book Day.14 March 2014
2014 Graduate Development Programme
We have just opened recruitment for our 2014 Graduate Development Programme. You can find out more and apply on these pages.21 February 2014
Cambridge scoops prizes at 2014 PROSE Awards
The American Publishers Awards for Professional and Scholarly Excellence (PROSE) has awarded one of their top prizes to a Cambridge University Press title.7 February 2014
Jonson goes digital
The complete writings of Shakespeare's great contemporary, Ben Jonson, now accessible online in a new digital archive22 January 2014
Cambridge University Press Publishes First Cambridge IGCSE iBooks Textbooks On The iBooks Store
Cambridge University Press has today launched the very first Cambridge IGCSE textbooks on the iBooks Store.21 January 2014
Girls lead the way as Commonwealth celebrates its brightest young writers
New Zealander Katherine McIndoe and Guernsey girl Tabitha Carr are named Junior and Senior Winners of the 2013 Commonwealth Essay Competition, sponsored by Cambridge University Press.20 November 2013
Cambridge reports eleventh year of growth driven by digital focus
Cambridge University Press has reported an eleventh successive year of growth for the year ended 30 April 2013.7 November 2013
First MOOC on Computing for schools now live for all
The first Massive Open Online Course (MOOC) designed to support teaching and learning of Computing in schools has gone live for all.2 October 2013
And that makes five: Press author wins Bentley Book Prize
John Thornton, Press author, has been named as co-winner of this year's Jerry Bentley Book Prize at the World History Association. This brings the total number of Press authors receiving this award to five.25 September 2013
Cambridge University Press Partners with Knewton
Cambridge University Press' industry-leading digital products to be enhanced by Knewton adaptive learning technology.5 September 2013
New research: large carnivores bounce back from near extinction in Manas, north-east India
The population of large carnivores in Manas, north-east India is bouncing back from near extinction, a recent study has found.2 August 2013
New Academic books' blog launched to showcase Cambridge authors and scholarship
Cambridge has launched a new Academic books' blog, fifteeneightyfour, which will showcase the wide variety of scholarship published by Cambridge and highlight the expertise of Press authors.22 July 2013
Cambridge author wins coveted Royal Historical Society Whitfield Prize
Cambridge University Press author Ben Griffin has been named winner of the prestigious Royal Historical Society's Whitfield Prize.15 July 2013
How the Drake Equation contributed to the search for life beyond Earth
To celebrate the publication of a special issue of International Journal of Astrobiology, two articles are being made freely available to the public.15 July 2013
New era in publishing for women's health
The Royal College of Obstetricians and Gynaecologists (RCOG) sells its prestigious publishing list to Cambridge University Press.4 July 2013
American Philosophical Association to launch new flagship journal in partnership with Cambridge University Press
The American Philosophical Association (APA) and Cambridge University Press will launch the Journal of the American Philosophical Association, a new general philosophy journal, in 2015.1 July 2013


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Fuller Brush DELUXE TABLE TIDY
Click thumbnails for expanded view.
- $20.00
- Item Not Available
Here is a Fuller Brush Company Deluxe Table Tidy. It is a table crumb sweeper. If you remember the 1950's, you probably remember the Fuller Brush man. In the 50's or 60's the Fuller Brush Man came to the house peddling his wares. This table tidy is still in it's original box. The excellent condition sweeper has a fruit motif on top and bright and shiny. It is marked with the oval with the Fuller logo with Made in U.S.A. under the name. It measures 5 x 1-1/4 and is ready to tidy your table. The box is not perfect.
Connie's Collection
- Pittsburgh, Pennsylvania
- View Storefront
- View Store Policies
Dealer Accepts:
Shipping:Negotiated with Seller
Item Details:
- Reference #
- Category
- Furniture & Furnishings
- Department
- Collectibles
- Year
- Dimensions
- Width: 0 inch
- Height: 0 inch
- Depth: 0 inch
- Weight: 0 pound
- Condition
- Material
- Plastic


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WELL THEN EVERYBODY. who wants to see me and phil adventure through your beautiful world of horrifying images, flower crowns & fanfiction?! *hits upload*
i warn you. if you are not a veteran of this website - some things you see may never be unseen.
Dan talks about fandoms and liking something so much that you start to hate it.
Danisnotonfire - I Can't Sleep (click here to watch the video!)
Danisnotonfire talks caring too much about other people's feelings.
Dan and Phil play Innuendo Bingo on Radio 1
it felt almost as awkward as it looks. fml
click here to watch the video 'Truth or Dare 4' :D
Dan plays Truth or Dare with the internet.
The Emotional Drunk
Which one are you?
Click here to watch the video '5 Kinds of Drunk People'! :D
danisnotonfire talks about the '5 Kinds of Drunk People' :D


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Reader Comments (Page 1 of 1)
CursedMonk87 said...
Oh, specifics? I think they should add Seal/Aura (or whatever one we're left with) effects that can be seen on your character as long as they're active, something akin to Shadowform. More glowy-sparkly-angeley-looking stuff that can be modified with cosmetic/minor glyphs. Guardian of Ancient Kings appearance modifications (female?), actually I think most buffs and CDs (Inquisition, Zealotry, Aura Mastery, etc) could use more obvious spell effects, instead of watching our buff bar or Aura timers to see when we get them or when they end.
I digress, I think more character customization options would be very good for the game. Look at how much everyone loves Transmog. I know it's more data for the servers to process, but being able to change spell/enchant colors, pet skins, add wings and halos, or even just some more RP emotes would serve to diversify the players we see through the world. I know games like Lord of the Rings Online offer new dances, emotes, cosmetic items, pet skins, etc. as quest, world event, and achievement rewards. WoW needs to fill the scenario (sounds like LotRO's Skirmishes) loot tables with something! Make them all minor glyphs, add those to the character panel, voila! No more cookie-cutter characters.


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Michael Kors ladies' rose gold plated bracelet watch
Product code: 8581185
- £229
- In Stock
This item qualifies for free delivery
- Return within 30 days for full refund or exchange
Product information
A simply stylish quartz powered bracelet watch from American fashion designer Michael Kors. The stunning rose gold plated watch is set with a round multi-dial, featuring date function and chronograph. A chic ladies' design that can be teamed with mixed metal accessories.
Michael Kors is one of the world's most famous and respected fashion designers.
- Brand
- Michael Kors
- Case material
- Rose Gold plated
- Face shape
- Round
- Model number
- Movement
- Quartz
- Strap material
- Gold plated
- Strap style
- Bracelet
- Watch feature
- Chronograph
- Watch feature
- Date
- Water resistant
- To 100m
Customer Reviews
Michael Kors ladies' rose gold plated bracelet watch 5 5
Beautiful watch As a gift for passing exams this is the ideal watch for anyone, it's gorgeous, chunky and very easy to read. + for anyone else (who has weird skin alike myself) who's allergic to watches, this is a perfect watch made with stainless steel 29 August 2013
Fantastic watch I received this watch for my birthday and after almost having it a year,I can honestly say it is brilliant,looks very stylish on ones wrist and also is great because its water resistant to 100 metres so you can swim in it. Nice clear dial with a date you can see. only minus is its a bit fiddly to change the date, but I'm sure I shall get the hang of it. It still looks as good as new and I wear it everyday to work. 06 August 2013


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Windows XP x64 Pro Tech ED Advancement OEM
Today I had a Appointment by phone with only 1 of 4 x64 key guys. at M$.
I was with him on the phone for 1 hr.
He cant Re-activite my Key...........
So we went threw hell and "HE WILL" be there soon, lol here's why.
x64 Pros if you use them alot on one machine. We are ALL HOSED !!
Yep, He even gave me a new key and all the goodies etc..... STILL a NO GO !!
So, I "HAD" x64 Pro, LOL !!! ,"So is vista x64 a Godsend at the moment, YES !"
Page 1 of 1
Some x64 Keys, Hosed !
Posted 12 September 2006 - 07:45 AM
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Watch emoji and humans interact in their native habitat in this parody documentary from Dissolve Footage.
Food researchers use bacteria found in baby feces to create a sausage with probiotic benefits. They even say it tastes "very good."
The nasties of the Web wouldn't allow Zelda Williams to grieve with dignity.
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"Late Late Show" host will produce "I F-ing Love Science" TV show for Science Channel, which hopes to show the lighter side of science.
The bigger the poop you add to these public park bins in Mexico, the more Wi-Fi you get. Are chihuahuas up to the task?
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Today we'll challenge Bridget Carey's devotion to McDonald's with news of the world's first test tube hamburger, funded by Sergey Brin. We'll also explore our Chromecast travel dreams and learn how Ikea just got a little easier to avoid.
Hasbro's newly announced follow-up to last year's Furby reboot gets even stranger than before: breeding new Furbies, earning Furbucks...and making poop.


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The recently restructured Hotel Riviera was the 1st hotel to be built in Castelsardo, an old medieval town, and with tried and true professionalism offers its guests modern, comfortable amenities. The Hotel may be easily reached and is... Plus d'informations
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Our Bed and Breakfast "Veronica" is in the centre of Castelsardo (Sardinia), in a very quiet road. It is a newly built attic composed of 2 bedrooms, a living room with kitchenette, a bathroom. - The "Sarda" room: is furnished... Plus d'informations
Prix moyen 62
Holiday Apartment Noemi is located in the village of Castelsardo, just few steps from the sea and every type of service. Castelsardo is a beautiful medieval town, founded in 1102 by the Doria family from Genoa. It is one of seven royal... Plus d'informations
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Bed & Breakfast Il Tramonto is a newly built building which is located in Castelsardo, just 50 meters from the main square "La Piannedda" and very close to bus line It offers its guests three large and bright rooms with private or... Plus d'informations
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The Bed & Breakfast "Sassari in" is a great and economical solution for your stay in Sassari. It is on the second floor of a historical building next to "Piazza Azuni", in the the high historical center of Sassari. It is an apartment... Plus d'informations
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If you want to spend an holiday in complete relax and comfort all year round, the "Via Dei Mille" B&B in Castelsardo city is perfect for you. The B&B is located on the first floor of a building recently renovated, and it offers large... Plus d'informations
Recently renovated, Holiday Apartment "Imeda" is an elegant two-room flat with a double bedroom and you can add a third bed. It is situated in the historic center of the city. our facility Our guests can park their car in a paid... Plus d'informations
Bed & Breakfast Vicolo Della Luna is located in the charming medieval town of Castelsardo, a very famous tourist town in north Sardinia. The recently renovated B&B offers accommodation in comfortable bedrooms equipped with air... Plus d'informations
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Bed & Breakfast Smorfiosa E Calarina provides you with large double bedrooms, private bathroom, decorated in an elegant and functional style. In fine weather, breakfast is served on the terrace overlooking the sea overlooking the Gulf... Plus d'informations
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Casa Doria is a typical and characteristic B&B; it is the ideal for your holidays to Sardinia. It is situated in the old town centre of Castelsardo, one of the most beautiful medieval villages in the north of the island. The Bed &... Plus d'informations
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Bed & Breakfast La Casa Di Rose is a villa developed onto 2 floors, with a big terrace where you can enjoy a full breakfast or admire a Sardinian sunset. It offers accommodation in roomy and cosy bedrooms with independent entrance.... Plus d'informations
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Bed & Breakfast Sette Fontane will immerse you in the peaceful green of the most beautiful countryside area of Sassari, 3 minutes drive from the city center. The villa develops onto 2 levels. Downstairs there is a large lounge and a... Plus d'informations
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Bed & Breakfast Villa L'Ulivo is a fine residence inspired to the ancient Tuscany farm-houses, dipped in 2 hectares of luxuriant olive grove, in the countryside between Sassari and Alghero. So, if you like, as we do, the quiet of the... Plus d'informations
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Bed & Breakfast Il Carciofo is the ideal location for an unforgettable holiday. You can go scuba diving, windsurfing, parascending and make excursions into the wonderful nature on foot, by mountain bike or horse. The Bed and Breakfast... Plus d'informations
Bed & Breakfast Sa Chessa is in a small village on the hills in the north west of Sardinia, where in summer is fresh and quiet. It 's a good starting point for trips to the sea, the beautiful beaches of Alghero, Stintino, Platamona... Plus d'informations
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The Holiday Apartment "Trilocale Girasole" offers an apartment with 2 garden within the residence "Terme di Casteldoria". Ideal for couples or a small group of friends looking for a special relaxing holiday. The complex offers 2... Plus d'informations
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The Farmhouse "La Barca in Secca" is a quiet place surrounded by greenery in harmony with our cultiveted land; it is ideal both for couples and families. We cultivate vegetables such as: salad, eggplant, peppers, melons, artichokes,... Plus d'informations
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The Bed & Breakfast Casteldoria offers to its guests 6 comfortable, spacious and bright rooms, all furnished in a practical and simple for a pleasant and relaxing stay in the typical Sardinian countryside. The stunning views of Lake... Plus d'informations
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In the north coast of Sardinia and in the middle of a lush Mediterranean vegetation there is Hotel "Montiruju" which takes its name from the characteristic red volcanic rocks that characterize the landscape. Spend the holidays at the... Plus d'informations
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In the north-western Sardinia, Bed and Breakfast "Don Nigola" is located in Olmedo, 20Km to Sassari, 12Km to the Riviera di Alghero and 20Km to Porto Torres. Our B & B is equipped with every comfort and is an ideal place for holidays... Plus d'informations
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Silv'ry Moon Lodge
Noelville, Ontario, Canada
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Surrounded by the shimmering shores of Trout Lake, Silv'ry Moon Lodge is an outstanding Ontario getaway where families will be treated to a host of aquatic adventures and awesome amenities. Avid anglers will be enticed by the fine fishing on Trout Lake, where boatloads of muskie, northern pike, and walleye are to be had. If you'd prefer to stay... more
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Glistening Angel Set
http://www.chicagocostume.com/brands/Fun-World.html">Fun World
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The Glistening Angel set includes glittery marabou feather and nylon wings, and matching marabou halo.
Perfect for any little angel!
One size fits most


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Dunkin' takes shot at modifying Obamacare
The company is lobbying the government to narrow the Affordable Care Act's definition of 'full time,' which would mean fewer employees for it insure.
The question of who counts as a full-time worker is coming under fire from Dunkin' Brands (DNKN), which wants the government to narrow its definition under Obamacare. That's because it wants to avoid paying health insurance for Dunkin' Donuts employees who work as little as 30 hours a week.
Dunkin' Brands is lobbying the government to change the U.S. Affordable Care Act's definition of "full-time" to employees working at least 40 hours a week, instead of the 30 hours currently written into the law, Chief Executive Nigel Travis told the Financial Times.
The latest volley from an iconic U.S. business comes as the ACA is set to go into effect next year. The law will require employers with 50 or more full-time employees (30 hours or more) to offer those workers "minimum essential" healthcare insurance.
Dunkin' Brands, which also owns Baskin-Robbins, operates on a franchise model. The parent company, excluding workers at its company-owned restaurants, employed more than 1,120 people at the end of 2011, according to its annual report.
But the real benefit would likely go to Dunkin's franchisees, who operate more than 10,000 Dunkin' Donuts locations and almost 7,000 Baskin-Robbins restaurants.
Other big businesses are lashing out at the costs of the plan. Supermarket chain Kroger (KR) told the FT that some companies might decide to pay the government-mandated penalty for failing to insure employees simply because it's cheaper than buying insurance.
Small-business owners are also reacting. As previously reported by MSN moneyNOW, one Wendy's franchise in Nebraska is cutting back the hours of non-management employees to avoid paying health benefits. The local franchise vice president said his company couldn't afford to pay for health insurance and instead is cutting hours of about 100 Wendy's workers.
Other businesses are keeping their employee count under 50, the FT notes.
The average cost to employers of providing insurance for a single worker is $4,664 and $11,329 for a family, the FT notes, citing the Kaiser Family Foundation. The penalty for not insuring employees under Obamacare, meanwhile, is $2,000 per worker.
"If you look through the economics of the penalty the companies pay versus the cost to provide coverage, the penalty's too low, or the cost of coverage is too high, or the combination is wrong," Kroger Chief Executive David Dillon told the newspaper.
Unaffordable for-profit healthcare has proven to be national suicide. Why?
Because unaffordable healthcare is a proven birthrate KILLER. Who can afford children when a child's healthcare often will BANKRUPT parents.
For profit healthcare makes children unaffordable, hence America's RECORD-LOW BIRTH RATES like we are seeing today.
For-profit is national suicide. That's why all other industrialized nations operate under a universal single-payer type system with cost controls and prescription med pricing controls.
For-profit is birth rate KILLING POPULATION REDUCTION that has KILLED America's birth rates to all-time record lows.
The problem here is that companies view their workers as just a #. An employee #. A dollar #. An hourly #. When will they realize that their Big Profitable Business is nothing without the hard working people they employ? So they would rather not insure them and let them die off so they can replace them with another # with less experience, and a lower dollar #. Its a lesson Europe learned after WWII. We are nothing without eachother. Lets start taking care of eachother. No not the Government. Lets have BIG BUSINESS pay the people that line their pockets. Get rid of the big bonuses for CEO's and TAKE CARE OF YOUR PEOPLE!!
I say Obama has caused more problems costing most of us more than we can realistically afford or pay for with our limited income....so Obama you need to raise our income level or cut prices for goods and services....... enough already....stop, we can no longer afford you and your programs. Also stop spending our tax money for you and "the family" to live like kings and queens. Of which you & they are not...yeah...and GET that ugly sneaky grin off your face....we know you are screwing us.....just nothing we can do!.
Man, is this a great country or what? You don't have to work...food stamps, subsidized housing, reduced utilities or at no cost, you don't even need any papers.
Illegally here? No problem...so what? You still get free health care...go to any ER or free clinic. Why work...just live off the backs of those that are working and paying for your free ride. Vote those workers out of office if they won't come up with more give aways.
Once you employee a couple people....you'll better understand the economics of Obamacare. Dunkin Donuts and delivering pizzas should be a part-time job for those still in school or at home (Remember, management at those locations DO pay benefits). Selling donuts over the counter should NOT be a career choice!!!!
BTW: I employee 100 people and already provide better coverage than required and have calculated I could save $250K per year by simply paying the penalty (but I won't)........I also have 8 people working for me that make MORE money than I do!!!!
No insurance, no problem, just go to the emergency room and they will give you free care. doctors, nurses, technicians, janitors, hospital food service and other hospital employees will not get a raise because the hospital has not money because of all the free care, then next year everyones insurance rate go up to pay the costs of keeping the hospital open. Moral, YOU will pay for it through higher hospital costs to offset free care or 15 cent more for burgers at Mcdonalds because the owner provides insurance for his employees
be a good republican and say, screw the hourly workers , they should have gotten a college education in the first place, then they would have insurance
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[BRIEFING.COM] The stock market began the new trading week on the defensive note with small-cap stocks pacing the retreat. The Russell 2000 (-1.4%) and Nasdaq Composite (-1.1%) displayed relative weakness, while the S&P 500 lost 0.8% with all ten sectors ending in the red.
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- The main bus and train station,
- Kalemegdan, the beautiful park and famous fortification from the 1st century,
- The pedestrian street Knez Mihajlova,
- Sava and Danube rivers, where float restaurants offer excellent food and nightlife,
- Traditional bohemian street of Skadarlija,
- Strahinjica Bana street with a variety of restaurants and coffee shops
- Public transport for all parts of the town.
While its limited capacity (one private one-bed, one three-bed and one six-bed room) provides intimacy and rest, Belgrade Centre hostel offers full range of comfort, including shower, toilets, kitchen, washing machine, internet, cable TV, tea and coffee.
Our team is ready at any time to provide useful information about Belgrade and Serbia, including availability of entertainment such as cinema, theatres, sports and tourist attractions.
CHECK IN 07-23h
From main Train, also, the Bus station You should go to the left and enter Milovana Milovanovica street, reach the end and then continue straight forward to Balkanska Street, at the place where Kraljice Natalije street cross the Balkanska street is settled Prag Hotel so You should know that You are at the correct place. Go straight ahead and You`ll see another Hotel, its Moskva Hotel, which is at the end the of the Balkanska street.When You found Moskva Hotel,You should go downhill Prizrenska Street,straight to the passage and you are at Zeleni Venac.
The place at the beginning of the Zeleni Venac ( ЗЕЛЕНИ ВЕНАЦ ) Street is our Green Market. You will recognize it by red roofs.Once You are here, You should go double cross the street,
Go down the passage from the one side,to came across the other one.There are stares leading You to the other side.
Once You are at the other side go a bit back to the left,and here we are at Zeleni Venac 4,
Where we are settled in.
( The building is near the store called MONA so You wont miss it ).
If You still having problem to find us,please contact us when You see Macdonald's at Zeleni Venac.
+381 64 166 40 12
+381 11 21 85 101 contact number
You need five to ten minutes by foot or you can take a city bus No 53, 56, 52 and reach Zeleni Venac (where is also the last bus station).
Enjoy Your stay!!!
Hostel FRIENDS Kalemegdan
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There are two identical apartments each with a possibility of lodging 1- 3 in each.We are offering personal and secure accommodation on privately owned premises.Fully equipped kitchen and on-suite bathroom with 24h hot water.There is private parking ...
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HOSTELFLASH - Perfect Choice for Belgrade Visitors
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Cosy and comfortable, HostelFlash is the best choice for people looking for excellent accomodation and affordable prices. No matter if you are backpacker, businessman, family or a group member... we have everything you need. ...
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One of new opened hostels in Belgrade.We offer a comfortable accommodation and perfect cleanness with low prices.We will at most effort to be at your service in all aspects, satisfy all yours needs....
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Belgrade Apartment is a very pleasant, new, modern apartment....
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Located in the near center of the city, with good public transport to anywhere in the city. With a beauti...
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Paddling in Novi Sad, Serbia
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Our guests paddle along the Danube, in a section with a lot of inlets and islands. The paddling tours lasts the whole day. Paddlers are followed by the catamaran-ship which offers logistic and catering services....
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apartment studio in Belgrade centre
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Studio apartment for rent in one of the main Belgrade centre streets, King Aleksandar Boulevard. ...
35 Per Night
Accomadation for EXIT festival in the centre
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the apartment is located 100 meters from the center of the town, 10 minutes walking to the Fortress. The apartment is 40 m2, it is designated for 4 people. Price is 300e for 4 people for 4 days. mail d_dijana84 @ y ahoo. c om...
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Biosphere Reserve Romantic Weekend
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Bushcraft & Survival Workshop at Biosphere Reserve and World Heritage Site Golija-Studenica. Happy Rafting, Gucha Trumpet Festival Maglich Fortress, Monasteries: Zhicha - Studenica - Sopochani...
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Belgrade apartments - apartment - downtown
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The Capital of culture, nightlife & fun: BELGRADE The Penthouse is topmost in the area and offers a unique and unforgettable Belgrade skyline roundview from the giant terrace! It is in fact a house on the rooftop!...
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Belgrade City Hotel
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With a prime capital location, the welcoming 3-star Belgrade City Hotel in downtown Belgrade, offers the kind of warm hospitality, inviting atmosphere and top-notch services sure to please business and leisure travelers alike....
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Hotel Novella Uno in Serbia
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We are very glad to introduce you brand new hotel Novella Uno in Novi Banovci with two stars, only 100 m from highway Belgrade – Novi Sad, 20 minutes away from downtown of Belgrade and 8 km from airport. The hotel is modern and very comfortable...
34 Per Night/Pers
Hostel 'centar' Belgrade
Beograd, Serbia Youth Hostels
Belgrade Hostel Centar is one of the finest youth hostels in Belgrade, Serbia. We offer comfortable, clean, safe and friendly low-priced accommodation in the Belgrade downtown. Best Belgrade's budget rooms with the highest level of service. Make a ri...
Apartment in the heart of Belgrade - Ap. TERAZIJE
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Apartment is located in Belgrade, in the very city center, in pedestrian area, one minute from Terazije, the central square and Terazije fountain - it is the very center of Balkan peninsula and the distance of each place is measured from that point....
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Belgrade city guide and belgrade hotels
Belgrade, Serbia Hotels & Resorts
We introduce you to Belgrade hotels, independent hostels in Belgrade, offer you free online booking of accommodation in Belgrade, and present you the ultimate city guide!...
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Everton Expect Cup Sellout
Everton expect Sunderland replay to sell-out within 24 hours.
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Everton expect to sell out of tickets for next Tuesday's FA Cup quarter-final replay with Sunderland in the next 24 hours.
A limited number of tickets remain from the Blues' visiting allocation at the Stadium of Light.
Tickets, priced £20 and £10, went on sale at the beginning of the week and officials at the Club are urging any supporter wanting to attend the game to purchase as soon as possible.
An Everton spokesman said: "Ticket sales started off slowly in the first part of the week but since making the offer of free coach travel we have had been inundated with fans wanting to travel.
"We have a small number still left to purchase but our estimations are that these will sell out very quickly indeed."
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