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SpeechExpert 1.05
SpeechExpert is the software which can read and manage the articles for you. Imagine that if you are reading a long artical, you may need to resume the reading after the break; you may have many articles to be read; you may want to review the articles read before.OK, what you need is those SpeechExpert provides. Besides reading the articles in the web pages, emails, documents and others, it can also manage them like those mentioned above for you.
See also: download, free, education, language, saver, screen, soundable, convertor, audio, tts, speech, text, listen, narrator, reader, read, management, grabber, novel, story, pages, web, email, articles, internet, document, expert, speech
Froebis MP3 Studio 1.6
This program convertes WAV files to MP3 files and in reverse, plays WAV and MP3 files, edit/modifies the MP3-Tag, displays system information, and, and, and...
See also: asterisks, masked, reveal, unshadow, unhide, unmask, saver, screen, invisible, hidden, registry, advisor, content, rsaci, ftp, outlook, website, instantly, default, forgotten, lost, decode, decrypt, yahoo, aol, aim, recovery, password
2D GhostForest Interactive Book 03 (Mac) 2
The third of a beautiful collection of interactive books for children (Mac). Part of the Ghost Forest site, presenting the book with the same name. For more information, please visit www.ghostforest.com
See also: ghostforest, ghost forest, Ghost Forest, book, interactive book, game, screen saver, screensaver
2D GhostForest Interactive Book 04 (Mac) 2
The fourth of a beautiful collection of interactive books for children (Mac). Part of the Ghost Forest site, presenting the book with the same name. For more information, please visit www.ghostforest.com
Dream FlashSee 1.3
Dream FlashSee is a powerful tool to browse, find, convert (swf to exe, exe to swf, swf to screen saver) and Manage Flash Movies quickly and easily!
Now you can browse Flash movies in your computer, view them in list, detail or thumbnail form, and preview them easily and quickly. You don't need to load Flash movies one by one in your browser any more.
You can search Flash movies with filename,version, rate and size etc
See also: swf, create screensaver, Flash to screen saver, make screen saver, exe2swf, exe to swf, swf2exe, swf to exe, flash application, convert swf, convert Flash, Browse Flash, Macromedia Flash player, create screen saver, SWF file, flash movie, Browse Flash in thumb
ProShow 2.5
Do something more with your digital images. Create your very own digital slide show to play on your TV or PC. Control timing of slides and transitions as well as the soundtrack and motion. With real time preview playback and a variety of output options, making slide shows is a snap! Share your slide shows with your friends and family by outputting your shows in almost any format: VCDs, PC autorun CDs, executables, screen savers and more.
See also: photos, executables, jpeg 2000, jpg, scr, MPEG, video, screen saver, screensavers, VCD, video cds, slide show, slideshows, compupic, proshow, pictures, digital images
T-Minus Valentine's Day Countdown 6.0
T-Minus Valentine's Day Countdown Clock. Now you can count down the time until Cupid's favorite day of the year. Whether your valentine is your boyfriend, girlfriend, spouse, parent, child or a classmate, you can monitor the time until Valentines Day. Play our Valentine's kiss.
See also: Countdown to Valentine's Day, Screen saver, Countdown clock, Valentine's Day, Holidays
T-Minus Wedding Countdown 6.0
Count down the time to the most special day of your life. Play our Wedding March or insert your wedding song as background music! Because your wedding day goes so quickly, our countdown clock will help you extend the joy as you plan for this special occasion.
See also: Countdown to Wedding, Screen saver, Countdown clock, Wedding
Top Screen Saver Builder 1.0
Top Screensaver Builder is an easy to use screen saver builder. You can add background music and text to your screen saver. With Top Screensaver Builder you can build windows standard SCR files or distributable self-installing executable file. There are many types of transition effects for you to choose from. Supported pictures format includes jpg,gif,png,bmp,pif,tga or pcx. As for audio files, you can use either wav,midi or mp3 files.
See also: screen saver maker, screen saver builder, screen saver
T-Minus Reminder Countdown 6.0
T-Minus Reminder Countdown. Do you need to be reminded of something? Whether it's picking-up the kids from soccer, taking the cake out of the oven, or anything else, you can set the Countdown Clock to remind you.
See also: Countdown to Remember, Screen saver, Countdown clock, Reminder
Stealth Files 4.0
Stealth Files hides any type of file in almost any other type of file. This is called steganography. This is a way of encrypting data so that it is hard to find. You can not decrypt something unless you know what to decrypt. Using steganography, Stealth Files compresses, encrypts, and then hides any type of file inside many other types of files...
Anti-Secure Ultimate Password Recovery 1.0
Lost or forgotten passwords for E-mail programs, instant messaging software such as AIM and Yahoo Pager, website accounts, Hotmail, MSIE AutoComplete fields, windows screen savers, and many more software programs can be instantly recovered. It can also unmask or unhide passwords hidden behind asterisk password protected text boxes, find passwords in the Windows registry, scan for hidden URLs of programs installed on your system, and much more...
AJ Screensaver Maker Standard Version 1.22
AJ Screensaver Maker help you make your own scrensavers.Just collect images,flashes and video file,without any professional skill,you can create your own professional screensaver.It also help you share it with your frields by create a single compressed self-installing screensaver setup file.More than 150 images transition effects in slideshow screensaver and can merge tow or more flash file to a screensaver.
See also: make screensaver, make screen saver, screensaver maker, flash screensaver, slideshow screensaver, slide show screensaver, web screensaver, internet screensaver, video screensaver, avi screensaver, create screensaver, screensaver creator
ImageMatics StillMotion Personal Edition 1.0
Downloaders Special Offer, Save 20$. Creates multimedia slideshows from digital images. Add sound, titles, labels, transitions, pan and zoom, framing and matting. Single click publish to auto-run CD ROM, Screen saver, Web page, SWF file and self extracting file. Individual sound tracks may be applied to each slide, sound blending and automatic slide duration timing to sound tracks,. Creates Flash label access to individual slides.
See also: flash tools, self playing slideshow, autorun CD, screen saver, titled slides, labled slides, sound, slideshow, digital slide show, Animation, AVI, SWF, Multimedia, Image sharing, Pan, Zoom, Virtual Tour, Slide Show, Digital Photography
PhotoChances Explorer 1.0
PhotoChances explorer will run as a slide-show picking your digital photographs and applying spectacular image processing effects chosen randomly. (Your original images will stay untouched)�
Each processed image visible can be captured at the full resolution of the original image.
See different renditiions of your photos with no effort.
See also: digital photography, photos, effect, black and white, saturation, acutance, sharpness, tutorial, shareware, download, animation, computer art, video, screen saver, screensaver, desktop, wallpaper
Fire Heart 1.00
Nothing says 'I Love You!' more than a burning heart. Give your special one a perfect gift! A burning heart...on a computer's desktop! Receiving another digital postcard just isn't as exciting as it used to be. If you want to give something unique, something pretty, something that will be seen a lot, give Fire Heart, a unique, unbelievably smooth computer desktop gadget!
See also: fire, flame, burn, screensaver, screen, saver, desktop, wallpaper, heart
automotive 3
The dealer uses automotive software to pair the correct car with the individual. This automotive software can evaluate what type of vehicle the customer has purchased before, provided the purchase was made at that dealership. This automotive software can help in determining the type of credit the customer has with access to all three-credit companies.
See also: automotive, screen, saver, add
outsourcing screen saver 3
The benefits outsourcing such non-core aspects of the business is the cost associated with running each section is cut dramatically. A business can hire another company to do the non-core duties for less than it would cost to hire someone permanently to do those duties in the company.
See also: outsourcing, screen, saver, add
Stock Market for Beginners 5 1.0
Free Stock Market for Beginners Screen Saver. Find securities trading educational information. Easy to install and uninstall too.
See also: Stock Market for Beginners, Stock Market For Beginners Screen Saver
BDV SystemEvents 1.2
Allows you to execute any command (run application, shut down, log-off, write log, show alert etc.) when specified event occurs in your system (user is idle, some apllication started/closed, ping successful/unsuccessful or by timer).
See also: screen-saver tool, system utility, execute command, run command


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For British squaddie turned prison guard Sam Norwood (James D'Arcy), policing the wings at fictional HMP Romwell is a case of "same shit, different uniform".
But with only one officer for every 35 cons, it's no surprise when things kick off in a thriller which begins promisingly before descending into a slough of old lag clichés.
The central argument in Reg Traviss' overcooked drama is that our jails are so full of scum we need corrupt headcases to control them.
The reactionary result should please Daily Mail readers, if not fans of credible characters and non-risible plotting.
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subset: commoncrawl


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Previous Story
Police Report: Clearfield PSP
Posted On 18 Feb 2013 By Gant Team
An incident of theft by unlawful taking or disposition occurred sometime between 5 a.m. and 2 p.m. Sunday on Main Street in Coalport Borough. Someone removed a Coalport man's LG Samsung cellular phone that's valued at $65. The investigation is ongoing at this time.
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If you are among those who are close to making their dream come true and you will open a new retail business soon, then you are to be congratulated even if just for the courage it takes to make such a huge change in your life. New businesses can be difficult to manage and they can seem difficult to grow at first, but in the end, if you put your very best in it and if you truly manage to create an actual brand, you will also manage to make your business flourish, regardless of what it is that it sells.
As a new business, one of your primary goals will be attracting clients towards it. Since your brand is not yet implemented into the conscience of the buyers out there, it may feel difficult at first to actually show people that you can offer them with high quality service. Thus, marketing your business successfully will play a crucial role in everything.
Do not go blindly into your marketing efforts and try to do some research first. See what people are looking for and see how you can show them that you can offer them with that. Then, create promotional campaigns both online and offline to grab people's attention and to attract them to your shop. You do need to have some very good offers at first to give them a taste of what they can experience with your products without having to spend too much in the beginning.
Also, it will be very important how you "present" your business to the world. The same way as you would dress up for an interview, you need to also "dress up" your business into a successful attire. If you do not have many ideas in that direction, do talk to a specialized designed and see what can be done to create an environment that truly reflects the nature and message of your business.
Also, do talk to www.knkindustries.com.au/sydney and see how they can materialize your ideas in matters of furniture. Believe it or not, the furniture will make for a large part of how your business looks for the new customers and if you manage to create a very nice look for your shop you will also stand a much better chance of attracting new customers to it. Be bold and creative, but do make sure that you feel appealing to the people out there not just simply trying to yell for attention!


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Congressman Todd Young, (R-IN) is getting to a dispute over a federal policy that was used to cut off federal food aid to clients at a food pantry because the clients were asked if they wanted to engage in voluntary prayer.
The incident involves the Community Provisions of Jackson County, a food pantry run by Paul Brock. He says he won't stop asking his clients if they would like to pray with him or his 45 volunteers.
According to Young's spokesman Trevor Foughty, "It certainly appears there is a misinterpretation of some rules. We want to make sure that no one is being denied the public assistance that they need."
Brock says he asks his needy clients if they want to pray with him. If they say no, they still receive the assistance they need. He says 98% of those asked, do pray with him.
Read more on this at FoxNews.com.


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School Site Council Meetings will be held at 3pm in the Career Center on the following dates:
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Agendas and minutes are posted at least 72 hours prior to the next meeting. Please refer to the "Meeting Agendas & Minutes" link to view those documents. If you would like to see an item on an agenda, contact Mr. Greg Anderson, Assistant Principal, or his secretary, Ms. Davey Rime, at (951) 738-2111.
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text: Episode 219 – Back Pain Part III: Gender Specific – Healthy Living Posted on July 6, 2011 by Aram Reply Why do women have back pain more than men? Aram and Ruben share their thoughts. Recommend on Facebook Share on Linkedin Share with Stumblers Tweet about it Subscribe to the comments on this post Tell a friend


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After making its world debut at the 2013 Detroit Auto Show, the seventh generation Chevrolet Corvette will also making an appearance during the upcoming Super Bowl, but not in an official ad. Chevrolet will not buy time during the game, but will simply present a one-off, hand-built2014 Corvette on the 50-yard line during the halftime show.
The Corvette will then be presented to the pop star, Beyonce. This way she will become the first celebrity to drive the new Corvette.
This looks like a pretty wise move, as Chevrolet will essentially get free advertising for the C7 Corvette. It's even wiser considering the fact that the average 30-second ad spot during the Super Bowl is anticipated to run about $4 million.
We are just wondering if Beyonce will be able to handle such a powerful sports car. As a reminder, the C7 Corvette will be powered by a new LT1 Gen V engine delivers at least 450 horsepower at 6,000 rpm and 450 pound-feet of torque at 4,000 rpm.


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What do City of Thieves, Mad Science and Green Projects have in common? They are programs being offered at Riverside Branch.
The week of July 12th through the 14th is full of activities for adults, kids and teens. It's not to late to pick up a book for bookclub or register for the programs. Best of all, events at the library are free!
Read more
Mr. Stinky Feet rocked out the Blue Springs North Branch on July 11. He performed songs such as, "Rockin' the Library", "Bop Bop Dinosaur", and "Slug Bug." He let the kids form a band and play instruments for a couple of songs. He even let the parents join in on the fun!
Keep an eye out for future Mr. Stinky Feet performances full of fun and imagination!
Haley B.Blue Springs North Branch
Mr. Stinky Feet, aka Jim Cosgrove, made an appearance at the North Oak Branch on Saturday. He entertained one and all with his many funny songs like "Rockin' the Library", "Stinky Feet", "Drink", and a few new songs from his newest CD - "Swimming in Noodles"!
Children were dancing and bopping as he played guitar and sang. Some children got to join him "on stage". While they played instruments, Mr. Stinky Feet sang. They really rocked the library! We had great fun with Mr. Stinky Feet and can't wait until his return in December.
Take a break from the summer weather with the sounds of live music. A family band of multi-talented musicians will be at the Excelsior Springs Branch to perform a variety of tunes, ranging from classical to bluegrass. The band consists of five children (ranging in age from 10 to 21, plus mom). The fact that they are performing in our nice air-conditioned library is a bonus. Don't miss out on this musical treat that will also give you a look at types of music that kids can perform at an early age.
Are you ready for a free, exciting journey around the world? Come and join us as we celebrate our One World, Many Stories summer reading successes!
All summer reading participants and their families are welcome, including teens! "Passengers" traveling with us will obtain a passport, and make their way around the world one last time this summer, playing a game for each continent. At the final destination, each traveler can trade their passport in for a souvenir bag.
Wednesday, July 27th @ 10:00 a.m., Riverside will host a program titled Dino O'Dell's Kids Music Party.
Whatever your preference in music, come join Dino O'Dell and rock your way through country, swing, ska, polka, and reggae. Dino O'Dell brings a guitar and a box of musical instruments for a jam session. Included are such hits as "The Pizza Polka", "I Dig Pigs", and "Worms, They Really Hit the Spot".
As the days tick closer and closer to school starting back up again, I'm sure you're all thinking the fun of the summer is over. No time or extra cash to travel anymore, and nowhere fun to go.
Well, that's where you'd be wrong! Because here in the Kansas City area itself, there's loads of fun places to go for under $20 per person (and sometimes even free!)
Check out these awesome staycation trips!
For the family and kids at heart!:
The Liberty Branch recently hosted a weather program presented by Mad Science and special guest, Katie Horner, chief meteorologist for KCTV5. Lois Butler, a Liberty staff member, attended the event with her grandchildren. Braxton James and Emily Sanford are pictured with Katie Horner. They found the program to be funny, as well as educational and entertaining.
The North Oak Branch of MCPL will host this fun program on September 24th at 2:00 p.m. Popular with all ages (1st grade through adult), this program teaches words of greeting in different languages coupled with the expression of individual artistic ideas by decorating T-shirts as wearable art.
Thanks to a grant from Francis Family Foundation, the T-shirts will be provided! Check out their website for other fun events in an area near you!
Colbern Road has unbelievable upcoming programs as part of our Homeschoolers @ The Library series. Every month, kids can experience a new topic first-hand. These programs supplement a homeschool curriculum, with a focus to Missouri's Show-Me Standards subject areas. However, they are open to both homeschoolers and traditionally educated children, ages 5-12.
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The Katherine Jenkins Collection
Katherine Jenkins presents her classical collection in a 12-part series every Sunday evening at 9pm.
Skip to Content
The World's Greatest Music
On now Smooth Classics with Myleene Klass
Email the show or Text 61812
Katherine Jenkins was born in 1980 in Neath. Her story sounds like a fairy tale: the Welsh choir girl who won a scholarship to London's Royal Academy of Music to study opera, was spotted by a big record company at the age of 23 and signed to a six-album deal.
Life and Music
Did you know?
Katherine has been described as the fastest selling opera singer since Maria Callas. Nearly 100,000 people bought her first album, Premiere, which shot straight to the top of the classical charts. Its follow-up, Second Nature, largely inspired by requests from her fans, sold more than 350,000 copies and won her a Classical Brit Award, as did her third album, Living a Dream.
The Welsh wonder has had an incredible career so far, but how much do you really know about her? Find out more with our fantastic fact gallery
Katherine Jenkins presents her classical collection in a 12-part series every Sunday evening at 9pm.
Listen and download your favourite tracks from Katherine Jenkins' latest album. Album of the Week, 3 December 2012
Jenkins and Domingo wow the crowds and The Queen at this year's Royal Variety Performance
Katherine Jenkins album 'Believe', produced by David Foster & featuring Andrea Bocelli.
Welsh mezzo-soprano celebrates 10 years in the music industry with her new album Home Sweet Home
Welsh singer recognised for services to music and charity, records video thanking fans
The Welsh mezzo-soprano popped down to Buckingham Palace to pick up her OBE for services to music and charity
Discover the greatest composers and performers from Wales
Katherine Jenkins
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And the windows need curtains, although I sure am reluctant to cover up this gorgeous view. I have this view from home and also from my cubicle at work. It's a miracle I get anything done. Gorgeous fall colors this year!
I sewed a curtain wadder this week. A work buddy gave me a huge amount of Home Dec lace, which I would not necessarily choose, but heck it was free, ya know? Once I had hung them, I could see stains that had not come out in the wash- it was very sad looking so off it goes.
Anybody want a ton of lace? Maybe you could die it. PLease don't ask me what it's made out of! I did wash it with regular Tide detergent and ran it through the dryer, so it is sturdy stuff.
(I wonder if entering the SWAP and the Endless Combinations contests have destryed my mojo? Seriously, I may back out of both sew-alongs because it is feeling a little smothering...)
I will think on it.
Happy Sewing!!


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A row of pendant lights in this kitchen design is chic and modern.
Industrial pendant lights accent a transitional kitchen picture.
Contemporary kitchen pendant lighting looks fresh in frosted glass.
A French-style chandelier complements traditional kitchen decor.
A Tiffany style pendant is a rich accent in this Art and Crafts kitchen picture.
A traditional kitchen with bold Asian-inspired lighting.
A home kitchen that shines with elegant filigree light fixtures.
Crystal lighting adds unexpected sparkle to a traditional kitchen design.
Modern lighting orbs create a graphic look in a contemporary kitchen design.
Sleek glass pendants add style to this contemporary kitchen picture.
Pendant lighting accents a kitchen island and a row of barstools.
This scroll chandelier in a rich terracotta bronze adds traditional elegance.
Sleek brushed steel pendants look stunning paired with a stainless steel sink.
Traditional kitchen pictures can be enhanced by gorgeous lighting.
Rich Venetian glass pendants are an unexpectedly beautiful accent in a kitchen.
Art Nouveau style pendant chandeliers make this traditional kitchen Trad Chic.
Browse the Jessica McClintock collection for elegant lighting ideas.
A warm and traditional kitchen space with a bright pendant chandelier.
Accent warm oak kitchen decor with a trio of art glass pendant chandeliers.
Art glass mini pendant lights add color to a kitchen.
A stunning modern light fixture creates beautiful kitchen decor!
Capiz shell lighting is a dramatic addition to this kitchen decor.
Kitchen mini pendant lights offer bright illumination and uncluttered style.
Mission style pendant lighting adds style to kitchen decor.
Kicheler pendant lighting over a kitchen bar area.
Kitchen lighting with capiz shell mini pendants.
Mini pendant lights and recessed fixtures create kitchen drama.
A chandelir with translucent shells over a kitchen counter.
Barstools and pendant lights create a comfortable kitchen seating area.
Mini pendants over a kitchen island add functional work light.
Pendant lights and bar stools are perfect together in the kitchen.
Art glass pendant lights add warmth to a kitchen island.
Tiffany glass mini pendants brighten a kitchen counter.
Use energy efficient lighting in the kitchen to save money.
An impressive Fiji Collection chandelier over a kitchen seating area.
An open plan kitchen with pendants over a sink and stove area.
A sleek kitchen design with contemporary pendant chandelier.
A modern kitchen with the Verona mini pendant chandelier.
Pure white is a classic color choice for a contemporary kitchen.
Design tip: use a decorative pendant chandelier to brighten kitchen work areas.
A mini pendant chandelier from the Larissa Collection brightens a wine cellar.
Island chandeliers are a great idea for kitchen counter lighting.
Metal mesh pendant lights shine in the kitchen.
Smoked glass pendants contract with white kitchen cabinets.
A kitchen bar counter with a row of art glass pendants.
Spice up a kitchen with the Jonathan Adler Havana chandelier.
Kitchen lighting from the Jonathan Adler lighting collection.
A kitchen goes retro chic with Jonathan Adler mini pendant chandeliers.
* Free shipping and free returns applies only to shipments made to the 48 continental US states. Free returns does not apply to designs shipped by freight, designs with giclee art shades, or certain items with designer shades.
Our associates are standing by to assist you.


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- Accommodation |
- Dining |
- Entertainment |
- Theme Nights |
- Weddings |
- Activities & Leisure |
- Maya Spa |
- Special Offers |
- Explore Kenya
Valid from 3rd Jan 2013 to 22th Dec 2014
Inclusive of Government Taxes Service Charge and non commissionable and exclusive of Accommodation
|• Video Services for the ceremony
|• Surfside Breakfast with sparkling wine
|KSHS 3,750.00 pp
|• Romantic 4 course candle lit beach dinner
|KSHS 5,535.00 pp
|• Beach Front Lunch/Dinner
|KSHS 5000.00 pp
|• Keyboard Player
|• Live Band
|KSHS 68,750.00 onwards
|• Butler Services
|KSHS 6,875.00 per day
|• Champagne per bottle
|KSHS 25,000.00 onwards
|• Witness for wedding
|• Traditional Dancers
|KSHS 18,750.00 per show
|• Beach Camel Ride
|KSHS 3,750.00 pp
|• Wasini Island full day Dhow excursion
|KSHS 12,500.00 pp
|• Tamarind Dhow Dinner + transport
|KSHS 9,400 pp + KSHS 8,800 per car
The following documents listed below are required for your wedding in Kenya 8 weeks
prior to departure to enable us complete the necessary arrangements in time.
ALSO NOTE THAT COMPLETE AND CLEAR PHOTOCOPIES OF DOCUMENTS WILL BE REQUIRED PRIOR TO TRAVEL. Fax copies are not accepted.
NOTE: Original certified copies of all relevant documents above must be carried with you to Kenya.
You must be resident in Kenya for two working days before you can apply for a license. We would recommend that you spend 3 to 4 days before the ceremony so that arrangements can be made comfortably.
Ceremonies are arranged from Monday to Friday (excluding Public Holidays) and are conducted by a Registrar.
The following days are excluded:
One Must be booked at the resort for the package to apply.


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Cuba has no shortage of fertile farm land, but the country spends $1.5 billion a year importing about 70 percent of its food.
The communist government's chronic struggle to get farmers to produce more is forcing authorities to grudgingly accept a greater role for market principles and the profit motive.
Now authorities seem willing to go another step further, tolerating the rise of what might be described as Cuba's "free-est" market.
This market, on the edge of Havana, only exists at night, appearing after sundown every day in a muddy vacant lot. Scores of battered, sputtering Chevy farm trucks and ancient Ford tractors arrive loaded with onions, squash, papayas and cabbage. It must be the largest gathering of 50-year-old American farm equipment anywhere on the planet.
The market doesn't have any signs, or even bathrooms, adding to the impression that Cuban authorities haven't quite accepted its permanence. Sales are done in cash under the faint glow of cell phone screens and lanterns. Even the police, who are ubiquitous elsewhere in Cuba, seem absent here.
Wholesale produce markets like this one exist all over Latin America, of course, where farmers can drive to the city and freely sell their crops. But in Cuba, there hasn't been anything like this in a half-century.
Armando Manzo has driven 250 miles from his farm in Cuba's Villa Clara province, with the family's 1957 Chevy Bel Air sedan stuffed to the roof with garlic. It's the kind of act that in the past wasn't allowed by a government that has spent decades micromanaging food production and distribution, often with disastrous results.
"The police would stop you and confiscate your produce," Manzo says in Spanish. "It was madness. Now what we're doing is legal."
Like other private farmers here, Manzo still has to meet an annual production quota that requires him to sell about a quarter of his harvest to the government at artificially low prices. But since taking over Cuba's presidency from his brother, 81-year-old Raul Castro has been gradually dialing back the island's state-dominated system.
Castro has turned over millions of acres of state land to private farmers and cooperatives, enough to lure Cubans like Ramon Gonzalez back into farming.
"There's more incentive to work harder," he says in Spanish. Dressed in a blue Best Buy shirt and selling sacks of sweet potatoes, Gonzalez says he quit his government job as a mechanic three years ago and joined a cooperative. The more you can sell, the more money you can make, he says.
The days of empty Cuban produce stalls appear to be over, but food prices here have never been higher. So far the move toward a more market-driven model hasn't been popular with Cubans who depend on government pensions and the state salaries that average little more than $20 a month. For them, a single avocado or a pound of tomatoes can equal a full day's wages.
But even as Castro complains in speeches about costly imports and urges Cubans to produce more, his government still hasn't taken basic steps like letting farmers buy new trucks and tractors.
"If we don't give farmers access to a market for equipment and supplies, the problems will continue," University of Havana economist Juan Triana says in Spanish. But that's just one factor among many.
The main customers at the wholesale market are the pushcart vendors who have flooded Cuba's streets since Castro licensed them to work legally. Most are young men like Alejandro Cruz, riding homemade tricycles with makeshift carts mounted on the back. Working as independent entrepreneurs has left them wanting more.
"There's still too much government control," says Cruz in Spanish. "They have to loosen up so there can be more business on the streets and people can make a living without fear."
One pushcart driver who complained of police seizing his wares put it another way. Asked what he thought of new regulations that will compel vendors to limit cart sizes and wear uniforms, he puts his hands around his throat and says as soon as there's something good, they choke it off.


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ASPIRE to something incredible this year!
Join author and speaker Kevin Hall in Anaheim, CA, as our special speaker. Kevin will teach you how to unlock the power of your words to tap into YOUR talents and abilities to build a thriving Nuriche business.
Start ASPIRING today! Kevin will kick off your journey THIS Wednesday, January 20, 2010 at 7:00 PM Mountain/ 9:00 PM Eastern on a special conference call.
Telephone Conference Line: (712) 432-0690
Guest PIN: 576450 #
An expert recognized for his uncovering the hidden and often secret meaning of words, Kevin Hall shares his wisdom with us. In Aspire! he teaches readers to understand what words mean in their purest sense and unlock their importance as they develop a thoughtful new vocabulary.
REGISTER for the Nuriche Regional event in Anaheim, CA. January 29 & 30, 2010. EARLY Bird Discount only $25 per person or $45 per couple. Plus, only 3 more days to qualify for the Fast Start Incentive.
Come learn how to build your Nuriche business, learn the new compensation plan and how to explain it to others, learn more about the powerful Nuriche products and get new and fun marketing ideas to build your business.
KEVIN HALL is a highly sought after business consultant, speaker and coach. He was a partner in Franklin Quest, makers of the Franklin Day Planner.
As Vice President of Sales and Training he helped fuel Franklin's worldwide growth. Kevin is Co-Founder of the Statue of Responsibility envisioned by Dr. Viktor Frankl, author of Man's Search for Meaning.
He has been recognized for his groundbreaking approach to uncovering the hidden, and often secret, meanings of words.
Kevin is also credited with wordsmithing, and trademarking, the original slogan for the 2002 Olympic Winter Games, "Ignite the Fire Within." He has been featured in Forbes Magazine, Worth Magazine, Nation's Restaurant News, Restaurant Business and on the Food Network.
Kevin and his wife Sherry are the proud parents of six children. He enjoys cycling, running, fly-fishing, cooking, and reading.


text:
Continuing a picture over a 2 page spread
I design my own pages in photoshop and am looking for a photobook which allows me to get a picture design printed over a two page spread, I've wasted lods of time and money getting books printed that look fine in the software's preview but invaraibly when he book is printed the pictures don't line up! As a pro-photographer who's looking for a budget-end photo book for my wedding customers I'm becoming increasingly despondent!
Can anyone tell me if there is a way to place the photo over two pages and if so, once done, whether the books open out flat once printed so I don't lose some of the picture.
Many thanks
Posted by
Oct 20, 2008 9:05am PDTPermalink
L: Have you seen this tutorial? It involves eye judgement but is easy to do.
A fellow Blurb user wrote this tutorial for doing it mathematically (i.e., not by eye) in Photoshop – it's brilliant!


text:
From FedoraProject
|Marcelo Barbosa
|Personal Information
|June 9, 1978
|Porto Alegre - Brazil
|Fedora-specific Information
|Miscellaneous Information
|private Mail:
|firemanxbr AT fedoraproject.org
|firemanxbr on Freenode in
|#fedora-devel #fedora-ambassadors #fedora-latam #fedora-latam-rpmdev #fedora-python #fedora-review #fedora-releng #ovirt #fedora-br
|Badges (23)
I'm Marcelo Barbosa contributor to Fedora project. It started a long time when started with Slackware linux dsitribution in 1998. I've come a long way since then, but am still quite a learner. If there's anything I can help you with, feel free to ping me either over e-mail or one of the IM channels.
- Here's a list of packages that I maintain. I'm quite adept at rpm packaging, so do ping me if you need assistance/reviews.
- Here's a list of some new software that I've packaged that need review. Please pick up any of them if you have the cycles. I'm always up for review swaps too!
- Here's a list of packages I'm currently reviewing. Unofficial reviews are most welcome.
- Fedora Ambassador
- I hang around quite a few mailing lists/IRC channels and help out where I can.
- I'm contributor reviewer to Node.js for Fedora 19
Wiki pages I'm responsible for
I "own" a few wiki pages that I'm responsible for keeping up to date. For any queries on the following pages, please get in touch with me:
email: firstname.lastname@example.com
Fedora Account System: firemanxbr
Activities within Fedora
oVirt Project contributor: test new versions and report bugs
Promote Fedora through my personal blog(http://mr-marcelo-barbosa.tumblr.com/)
Promote Fedora through talks at Tchelinux (local LUG)
Future plans
- create new open source monitoring solution based in fedora


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Kate Savage '09
"My career is based on networking and building lasting relationships," says Randolph-Macon
College alumna Kate Savage '09, a political fundraising consultant
at Benedetti & Farris, LLC. "At R-MC, I gained fundraising experience and learned
how to meet people and engage in meaningful conversations."
Through her involvement with campus organizations, Savage also learned the fundamentals
of running a business, such as leading meetings, creating agendas, recruiting members,
and working with a budget. An international
studies major, she participated in three internships
as a Randolph-Macon student.
"My internships honed my fundraising skills and introduced me to politics," she
says. "The door to my very first post-collegiate job was through an R-MC internship
and connections I have with fellow alumni."
Savage says that her decision to attend R-MC was one of the best choices she's ever
made. That sentiment is reflected in her advice to new students.
"Take advantage of the many opportunities that R-MC provides," she says. "Be prepared
to enjoy four years of college, and plan on filling every day with as much as possible."
Paving the Way for Success
Rather than prepare students for one career, Randolph-Macon College prepares students
for a lifetime of careers in an ever-changing world. Exceptional faculty work with
students to cultivate their ability to think critically and analytically and to
find creative solutions for solving problems. R-MC graduates are well-prepared for
successful careers, often far outside of their areas of study.
The Randolph-Macon EDGE, the
cornerstone of the Center for Personal and Career
Development, helps Randolph-Macon students lead the pack when competing
for jobs and top graduate schools. Students have the support of faculty, career
coaches, alumni and staff as they focus on their personal and academic ambitions.
Students may choose to pursue paid or volunteer internships in a wide variety of
settings. The Bassett Internship Program
has been successfully placing students in academic internships both in the U.S.
and around the globe for 30 years. Coordinated with the Center for Personal and
Career Development, the program helps students identify their interests and matches
them with an appropriate internship opportunity. Randolph-Macon's alumni provide
a strong network of support for students throughout their time at the college or
in assisting them after graduation with career direction and opportunities.
The college's Four-Year Degree
Guarantee guarantees in writing that freshmen who meet the Four-Year Degree
Guarantee requirements will graduate within four calendar years. If not, Randolph-Macon
will waive tuition costs for courses needed to complete the degree. Currently, 95
percent of R-MC graduates complete their degree in four years or less—an important
value-added benefit for parents to consider when visiting colleges with their students.
Study Abroad programs offer students
a beyond-the-classroom global perspective and opportunities to immerse themselves
in other cultures. Students can choose from a host of travel courses during January
Term and semester-abroad programs.
The Schapiro Undergraduate Research Fellowship (SURF)
program gives students the opportunity to conduct 10 weeks of original research
under the guidance of faculty mentors. Many students present their findings at national
and international conferences.
Read more Alumni Success stories.


text:
The initiation of force or fraud threatens the lives, happiness, and property of all Canadians.
To prevent and suppress crime, we support the following: clear, consistent, and impartial laws protecting individual rights; strong, well-financed police force and judicial system; the right of any private security agency to offer protection services, consistent with the Constitution and the Charter of Rights; and the right of any individual to defend himself/herself and his/her property and to contract with any security agency for this purpose.
Victimless Crimes
Since only actions which violate the rights of others may properly be termed crimes, we favour the repeal of all federal laws creating "crimes" without victims.
In particular, we advocate: the repeal of all legislation prohibiting the production, sale, possession, or use of any drug, and of all legislation requiring medical prescriptions for the purchase of any drug, vitamin, or other substance; the repeal of all laws regulating or prohibiting gambling; and unconditional amnesty for all those currently incarcerated for the commission of these "crimes."
Due Process
Until a person is proven guilty of any crime of which she/he may be accused, that person's individual rights must be respected.
No person shall be held or questioned against his/her will unless charges are laid, or prevented for any reason from consulting with an attorney.
We advocate the repeal of the War Measures Act and all other preventive detention legislation, uphold the right of the accused to a speedy trial, and support full restitution by the government for all losses suffered by persons arrested but not convicted.
Police Powers
We favour the repeal of all laws permitting the government to declare martial laws, or to give the police extraordinary powers. We believe that a law enforcement officer has the same rights, and the same obligation under the law to respect the rights of others, as does any other individual.
Justice for the Victim
The purpose of any system of courts is to provide justice. The present system of criminal law is based on punishment with little concern for the victim. We support restitution for the victim to the greatest degree possible, at the expense of the criminal.
Accordingly we oppose all no-fault laws, which deprive the victim of the exercise of his right to recover damages from the responsible party. We also support the right of the victim to pardon the criminal. We advocate an end to defense based on "insanity" or "diminished capacity," which absolve the guilty of their responsibility.
Government & Psychiatry
We urge that no person who has not been charged or convicted of a crime shall be incarcerated or detained against her/his will, for psychiatric or any other reasons, in a mental hospital or other institution.
We further advocate: the repeal of all laws permitting the involuntary psychiatric treatment of any persons, including children; an end to all involuntary treatment of prisoners, as, for example, by such means as psycho-surgery, drug therapy, and aversion therapy; an immediate end to the spending of tax money for any program of psychiatric or psychological research or treatment; and an end to tax-supported "mental health" centres and programs.
Passports and Travel Restrictions
We oppose any attempt by the government to restrict the right of any individual to travel to, from, or within Canada. We believe that the government may properly refuse to provide protection services to an individual who is outside Canada.
We believe that all individuals have the right to choose where to live, provided they do not do so in violation of the rights of others. Therefore we advocate open immigration policies, along with the elimination of all government programs which subsidize immigration.


text:
Please upgrade your browser for the best Refinery29 experience. Read more.
For New Yorkers, shopping is more than just an opportunity to snag a few closet upgrades and get our fix of elaborate window displays on Fifth Ave. It's also a chance to size up what our fellow city stylites… read
With Fashion Week taking place but twice a year, London's style elite have plenty of planning time before they show off their most carefully-chosen ensembles. This time around, it actually wasn't raining… read
Learning how to stand out in a sea of fashion folks to capture the attention of street style photographers isn't really on top of everyone's list of priorities. But, the secrets that those familiar faces… read
It's a scene you might be all too familiar with: Fashion Week is here, and you're at home hunched over your smartphone, scrolling through slideshows of what the stars wore. But, even though you're not… read


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Application Lifecycle Management Prediction
2011 – The Year of Open Source ALM Tools?
Mik Kersten has posted the latest in his string of predictions, and this time it concerns open source Application Lifecycle Management (ALM) tools. He predicts we will continue to see growth in this area, whereas previously ALM tools have been associated with enterprise application development and heavyweight workflows. Kersten perceives this shift as evidence of ALM moving towards lean methods and developer-centric tools.
The results of the 2010 Eclipse Community Survey seem to support his claims, showing that the core open source ALM tools, when combined, have the market share in each of the three key ALM categories (tasks, versions, builds.) The survey comprised of 1,948 respondents, and although there's some truth to the argument that those who respond to Eclipse Community Surveys are more likely to be involved in open source, Kersten argues that "this result remains indicative of a shift in application development practices and open-source ALM market share." He believes that over the course of 2011 open source ALM stacks will infiltrate the more conservative organisations.
But, what is it that makes open source ALM so attractive? Firstly, there's the issue of price, secondly, there's the amount of innovation typically driven by open source developers, and thirdly there's the ecosystem of extensions that gather around popular open source solutions. These open source communities can often create very interesting integrations. An open source license also guarantees organisations who adopt such tools will always have access to the codebase, and the option to extend the tool, should they require new features, or if the tool's original contributors move onto a new project. Although, Kersten does warn that organisations should be wary of gaps in project management features, and lack of a single integrated open source ALM stack as, in this respect, there's a "mismatch between both the toolset and the cultural aspects of open source ALM tools and what's needed by the enterprise." Although open source ALM tools are finding their way into the enterprise, he predicts it won't always be an easy ride: "these two worlds must be integrated into a cohesive whole, especially as more Agile teams find themselves at the intersection of open source and enterprise ALM," he advises.


text:
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Park Haven is a community like no other. We offer modest living at an affordable price, plus activities and programs for real life experience. Our clubhouse is open for children's activities, as well as adult learning. Recent renovations include new exterior, interior flooring, oak cabinets, new appliances and much, much more. Located in the center of Brooklyn Park, walking distance to grocery, restaurants, shopping, bus routes, and more.
We have a 4-6 month waiting list on our 1 and 2 bedroom apartment homes. We have closed our
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Health Insurers Face Uncertain Times
By Phillip Woolgar - August 11, 2013 | Tickers: AET, AFL, WLP
Health insurance providers are facing an uncertain time due to the onslaught of ObamaCare, which is expected to hit the speedway in 2014. The effect that the new health plan will have on insurers is largely unknown, but I suspect there will be increased administration costs due to heavy government regulation. That regulation could call for lower insurance premiums, but there could also be additional people looking for insurance. Let more »
2 Magic Formula Pick's With Headline Risk
By Adem Tahiri - August 6, 2013 | Tickers: HUM, WLP
Investors like a good deal. The problem is, most of us wouldn't know a bargain if it hit us in the face.
At least that's what hedge fund manager and value investing icon Joel Greenblatt says. In a series of books and lectures, Greenblatt has touted his "magic formula" for stock picking. Greenblatt argues that by following the simple formula we can take the guesswork out of picking more »
Top U.S. Health Insurance Companies Capitalizing on Reforms
By Shweta Dubey - August 2, 2013 | Tickers: HUM, UNH, WLP
After the recent introduction of healthcare reforms, the health insurance industry in the U.S. is expected to benefit from rising demand. Healthcare reforms such as the formation of health insurance exchanges and the government providing health insurance to citizens who cannot afford it will be the primary contributors to this growth. These reforms are expected to add 25 million U.S. citizens to the overall health insurance market. Three more »
The Mysterious Undervaluation of Health Insurers
By Dana Blankenhorn - July 24, 2013 | Tickers: UNH, WLP
If you think Apple is undervalued, you don't own a health insurer.
Yesterday, for instance, Wellpoint (NYSE: WLP) delivered a solid beat on earnings, $800 million or $2.64/share, and continued its $0.38/share quarterly dividend. In response the stock barely yawned, rising just two cents a share, yielding a Price/Earnings (P/E) multiple of 10.31.
Wellpoint has become one of the more undervalued big-cap more »
Value Investor Karen Finerman's Latest Stock Picks
By John Macris - July 8, 2013 | Tickers: LYV, TKR, WLP
Readers may recognize value investor Karen Finerman from her frequent appearances on CNBC's Fast Money. Outside of her television appearances, Finerman is the CEO and co-founder of Metropolitan Capital Advisors, a New York-based hedge fund established in 1992.
The 48-year old Finerman recently authored a book titled Finerman's Rules: Secrets I'd Only Tell My Daughters About Business and Life. The new release offers insights on a variety more »
4 Cheap Dividend Stocks for Income Investors
By Meena Krishnamsetty - June 27, 2013 | Tickers: HUN, SLM, WLP, WU
Several renowned investors have pursued a strategy of investing in stocks with low price-earnings multiples. Stocks with low P/E ratios could be mispriced relative to their peers and could represent companies with low implied growth. However, some low P/E stocks represent good value plays that are subject to near-term adversity, which is negatively affecting their profitability, without denting their long-term earnings growth prospects.
In the current market, there more »
Buy the Dips, the Rally Isn't Over Yet
By Rupert Hargreaves - June 20, 2013 | Tickers: GNW, NOV, WLP
It may seem absurd for me to make this prediction but I believe that despite current volatility, the market actually has further left to run.
There are currently many different analysts all stating why they believe the market is overvalued and due for a pullback, however, a quick evaluation of the market by one of the simplest methods around quickly shows that the market could actually be undervalued.
According to more »
A Rigged Market? It's OK With Me
By Bob Chandler - June 18, 2013 | Tickers: DECK, HUM, WLP |
There seems to be plenty of evidence suggesting that some players in the market have a significant advantage when compared to the average investor. While it's legal, it also implies the market is hardly a level playing field. But this is OK. Individual investors can still profit from this rigged game, and they can even capitalize on big players' advantages.
Are markets rigged?
Having greater access to information, greater more »
Billionaire Paul Tudor Jones' Latest Additions
By Marshall Hargrave - June 12, 2013 | Tickers: A, BKD, PFE, WLP
Billionaire Paul Tudor Jones (PTJ) has been all over the news after telling an audience of University of Virginia students and others that it's difficult for mothers to be successful traders given that their connection to a child is a focus "killer." PTJ has been one of the most successful traders over the past few decades, with a net worth of some $3.3 billion. Let's check out more »
These Healthcare Stocks Pay Fast-Growing Dividends
By Aubrey Tabuga - June 10, 2013 | Tickers: MDT, UNH, WLP
Given the huge potential of the healthcare industry, it is very tempting to peer through it for possible options if one seeks for the best places to earn dividend income. These stocks pay some of the fastest-growing dividends. I say, it is the best time to take advantage of the immense possibilities in this sector.
Health insurance leader
With 13.6% of the market share in health insurance, UnitedHealth Group more »
Time to Scoop Up This Health Care Company
By Ted Cooper - June 7, 2013 | Tickers: AET, UNH, WLP
The passage of Obamacare has created uncertainty in the health care sector. As the landmark health care legislation nears full implementation, many investors still do not know exactly what is in the law, or what impact it will have on companies in the sector. However, the uncertainty has created opportunity for long-term investors.
One area of the health care sector that is particularly uncertain is managed care organizations. Companies like more »
3 Managed Health Care Companies You Should Buy
By Madhukar Dubey - May 6, 2013 | Tickers: AET, CI, WLP
Managed health care is an industry which is the most vulnerable to government policies. Recently, the Center for Medicare & Medicaid Services, also known as CMS, provided relief to this industry by announcing Medicare Advantage, or MA benchmark rates, for 2014, which will increase by 3.3%.
The benchmark rate is the maximum monthly amount which a plan can receive from its member. Earlier in February, CMS announced that these rates more »
$10 Billion Fund Bullish on This 'Fab Four'
By Meena Krishnamsetty - April 27, 2013 | Tickers: MU, NTES, WFT, WLP
Orbis Investment Management has a $10 billion 13F portfolio managed by William Gray. The firm invests in value stocks using contrarian ideals mixed with a fundamental analysis of each company, in combination with a top-down stock picking approach. Judging by the largest positions in the fund, we can see favorable economic trends first, company fundamentals second quite clearly. Orbis seems to follow a strategy of narrowing down certain sectors of more »
Is This Insurer a Sure Thing?
By Marshall Hargrave - April 16, 2013 | Tickers: AFL, CI, PFG, WLP
When looking for solid dividend-paying stocks, Aflac (NYSE: AFL) should be on every investors list. This Dividend Aristocrat also happens to be rather cheap.
The list of Dividend Aristocrats include companies that have raised their dividend payouts to shareholders every single year for at least a quarter-century -- this exclusive list only includes a few dozen stocks. Aflac upped its dividend payment by 6.1% in late 2012, marking the 30th more »
More Upside in Store for This Healthcare Insurance Provider
By Nick Chiu - April 12, 2013 | Tickers: CI, HUM, UNH, WLP
For investors seeking high revenue growth with an inexpensive free cash flow in the health insurance industry, Cigna is one of the top investment targets. Cigna (NYSE: CI), with a market cap of $18.46 billion, is a global health services company, providing medical, dental, disability, life, and accident insurance through its subsidiaries. Cigna continues to improve its bottom line. Unlike other health plan providers, Cigna's impact by Affordable more »
Why this health care insurance provider is due for more upside
By Nick Chiu - April 7, 2013 | Tickers: CI, HUM, UNH, WLP
Cigna (NYSE: CI), with a market cap of $18.46 billion, is a global health services company, providing medical, dental, disability, life and accident insurance through its subsidiaries. Cigna had been trading in the range of $39.01-$66.67 in the past 52 weeks.
Improving Patience Access
Cigna continues to improve patient access to health care by enhancing care coordination and aiming to achieve improved health, affordability and patient more »
Health Insurers Get a Shot in Arm, But the Boost Could Be Temporary
By Diane Alter - April 3, 2013 | Tickers: HUM, UNH, WLP
Medicare advantage health insurers got a shot in the arm after planned government cuts in payments were squashed. But the boost to shares could be temporary and is not a cure-all for what ails health insurers.
The Centers for Medicare and Medicaid Services (CMS) had originally proposed a 2.3% reduction in what the government pays to Medicare Advantage plans. In a stark about face, the CMS on April 1 more »
4 Reasons to Be Optimistic About Healthcare
By Adam Levy - March 14, 2013 | Tickers: CNC, ESRX, MOH, WLP |
In last month's brief earnings call, Express Scripts (NASDAQ: ESRX) CEO George Paz happily announced a better than expected outlook for the 2013 fiscal year. The company provided guidance on 2013 earnings of $4.20-$4.30 per share, while analysts were expecting the extreme low-end of the guidance.
Paz noted the company's outlook is bolstered by the positive outlook of the healthcare industry as a whole based more »
This Managed Care Organization Is Available at a Bargain Price
By Ted Cooper - March 13, 2013 | Tickers: AET, UNH, WLP
Health care reform has caused investors to become anxious about the future of companies tied to the health care industry. These feelings of uncertainty are warranted given that nobody knows exactly what the industry will look like in five or 10 years. However, in some cases investors' worries are overdone, which has led to cheap companies looking to be scooped up by the enterprising investor.
The future of managed care more »
Red Light, Green Light with Humana
By Irving Harrison - March 3, 2013 | Tickers: HUM, UNH, WLP
Investing should be simple. Red Light, Green Light is a simple children's game. In this game, one person plays the "stop light" and the rest try to touch him/her. The stoplight faces away from a line of kids and says "green light." At this point the kids are allowed to move towards the stoplight. At any point, the stoplight may say "red light!" and turn around. If any more »
- Page 1 of 3
- »


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operapreneur – an opera singer dedicated to advancing the art and business of opera
I strive to create unique designs based on your requirements and personality. You're unique, your website should be too!
I'm proud to create clean, well written HTML and PHP. I'm now adding HTML5 & CSS3 to help our sites run faster and cleaner. Of course, I adhere to W3C standards!


text:
FFL Dealers and Shooting Ranges in Jennings
NOTE: See the map at the bottom of the page for the locations listed relative to one another.
Cajun Elite Shooting Club
Tel: 337-824-2110
3288 Evangeline HWY
Jennings, LA 70546
Range Type: Public
Shooting Facilities:
- Trap
- Skeet
- Sporting Clays
No FFL dealers in Jennings are listed. Know of one?submit your Jennings, Louisiana FFL dealers here
No firearms retailers in Jennings are listed. Know of one?submit your Jennings, Louisiana firearms retailers here
Jennings City - City Marshall
Tel: (337)821-5514
110 North Broadway Street
Jennings, LA 70546
Jefferson Davis Parish - Sheriff's Office- Business Calls Information
Tel: (337)821-2100
321 East Plaquemine Street
Jennings, LA 70546
Jennings City - Police Department- Jennings Peter Street Community Sta
Tel: (337)821-5528
468 Mouton Drive Apt B
Jennings, LA 70546


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5 ways young adults ruin their credit
When you're newly on your own, you need just about everything, and plastic can become a big temptation. But money missteps now could cost you for years.
Credit seems like one of those things that should develop slowly -- the fine wine of your finances. The small actions you take every day would collect over time so that, in a few years, your high credit score would help you sail through that new car purchase, apartment lease or mortgage application.
That may be true for good credit habits. But money mistakes when you're just starting out can trash your credit score, saddling you with bad credit and making goals harder to meet.
Consider these five ways you can ruin your credit -- and how you can avoid them:
1. Charge it to the max
That $600, $2,000 or $5,000 credit limit can feel like free money waiting to be spent. It's especially hard to resist when you're on your own for the first time and need so many things: clothes, groceries, a flat-screen TV or an actual chair to sit on in your new place.
But charging up to your limits on plastic can put your credit score in a world of hurt. Lenders evaluate your debt-to-credit ratio. If they don't like what they see -- if you have reached your limit on one or more cards -- you become a risk. Lenders will suspect you are one big expense away from being unable to pay. Experts recommend using just 10% to 30% of your available credit.
And they may be right! If you can't pay off your card in its entirety each month, try to keep your balance comfortably under the limit. Then, once you've established a pattern of regular on-time payments, use your improved credit to apply for a balance transfer credit card with a lower annual percentage rate that will help you pay down your balance sooner and qualify for better cards. (Compare credit cards here.)
2. Miss due dates
Your credit card bills may take a back seat to the other critical expenses in your life -- rent, utilities and student loan payments. If you're struggling to meet those obligations, your card statement may be at the bottom of the pile for getting paid. But late payments on credit card bills can lower your credit scores.
If paying bills is a challenge, try to pay at least the minimum on your cards each month, on time. And look for ways to cut expenses and increase your income.
3. Co-sign a loan
Here's the scenario: Your boyfriend or girlfriend really needs a loan for a new car, but the bank says no way without a co-signer. You may think you're merely vouching for your soulmate's character, but you're really saying, "I'll pay if he or she doesn't."
You have one good possible outcome: He or she makes every payment on time, and, four years or so later, that loan is gone. But consider the other possibilities, from a crisis that makes him unable to pay (job loss, injury) to the worst-case scenario -- he just walks away from the debt. You'll inherit the debt, the collector's harassing phone calls and the damage to your credit, too.
When your sweetie asks you to co-sign, offer to ride the bus with him or her instead.
4. Collect credit cards like Beanie Babies
You hear this once a weekend: "If you open up a new credit card with us today, you'll get 10% off your purchase! That's going to save you $8 today! It takes one minute to apply!"
Your wallet already has your favorite card, a backup "just in case" and your debit card -- but that $8 off sounds good. Store and regular credit cards often come with tempting perks. But a collection of cards in your wallet -- meaning you have ready access to potential debt that would be challenging to repay -- can ding your creditworthiness.
Stick to the fewest possible cards you need, and select cards with perks you'll use regularly, such as one of the best rewards credit cards.
5. Blow off your other bills
You may imagine your credit report and score are based entirely on what you do with your MasterCard and Visa. However, it's not that simple -- your habits with all your bills figure into the big picture of who you are as a borrower. If you're regularly late paying your electric bill, for example, your credit report may turn off future lenders before the power company turns off your lights!
Set up a system to pay your bills on time or have them paid automatically from a bank account.
Use your credit cards thoughtfully, avoid unnecessary debt and pay your bills on time (the most important step for building a good credit score), and you'll end up with a credit history that takes you successfully into early adulthood and beyond.
This article was reported by Jennifer Rose Hale for CardRatings.com.
Having read some of the reply posts- it seems some people just don't get it.
You can't have perfect credit if you don't have any credit... I went 9 or so years thinking I don't need credit- for the most part that went pretty well when I was younger- just saved up for what I wanted and bought used at times- which can be hit or miss (a lemon can cost more in the end) or you get what you pay for- well long story short when I was in my early 20's I wanted the nice car and to buy a house- but guess what I was turned down for a lack of credit history- then it was a catch 22 each time I applied for credit and was refused it hurt my rating even more- so I quit applying and just did the secure credit "credit card" your limit is what ever your deposit is- I started with $500 and used it carefully for 6 months then I increased it to $1000 from a 2nd deposit of $500 which I got from a tax refund- well with careful usage at 15 months from when I first opened the accoumt-my deposit was refunded back to me and they changed my secure credit to unsecure with a $1500 limit- if you're wondering which bank I did this with at the time it was Citi Bank. So since then I'm in my early 30's have already paid off a $28,000 car loan and now I can purchase a home if I want with a mortgage cheaper then paying rent. I just havn't decided on buying a home because I'm not sure if I want to live where ever for 30 years lol well that's my credit story and to this day I only have 1 major credit card only for emergency purposes and no store or gas card-
PS... even millionaires have credit... the better your credit rating the lower the interest rates- you never know when you have a emergency medical or car repair and it would be stupid to carry around so much cash- and your ATM card has a cash limit usually $300 to $500.
Also with good credit rating it would help a lot if you wanted to start your own business as well!
they missed the biggest thing that ruins young adults credit .. even more than credit cards. it's student loans - the more you take out the bigger of a hit your credit will take. borrow 25-30K to go to school and kiss the pristine credit goodbye as your income to debt ratio will make your score plumment.
Credit is needed to obtain a mortgage or a car loan. Pretty much everything else you need to purchase can be procured by using a debit card. Perhaps getting a rental car is one of the few exceptions. Furthermore, if you co-sign a loan for someone, you better be in a position to make a gift of paying off whatever balance is on that loan when/if the primary obligor A) dies, B) goes to prison C) is disabled D) goes bankrupt--you get the idea. It's not just a matter of "signing for them". You are agreeing to be liable to pay that debt if the person you are "helping out" can't/won't pay it. And co-signing a debt for your honey when you are not married to him/her is about one of the most epically stupid things you can do to your financial well being. Things are always wonderful until they are not, and when they no longer are, then things can get very nasty indeed. Love is not forever, and in relationships, change is the only constant. If your beloved is such a wonderful human being, let her family (the people who know him/her best) co-sign for her.
A little free advice from a middle aged lawyer.
"If you can't pay off your card in its entirety each month, try to keep your balance comfortably under the limit. " Implying that these kids should even consider carrying a balance is DEFINITELY sending the wrong message to these young people.
Having a Credit Card means that creditor is extending you a 30 DAY loan only. Anything beyond that is a mealticket for the credit card companies.
BOTTOM LINE: DO NOT SPEND ANYTHING ON A CREDIT CARD UNLESS YOU CAN PAY THE FULL BALANCE AT THE END OF THE MONTH. IF YOU CAN'T, YOU SHOULDN'T BE BUYING IT AND YOU DEFINATELY SHOULDN'T BE USING A CREDIT CARD. LEARN TO SACRIFICE AND LEARN TO DELAY YOUR GRATIFICATION UNTIL YOU DO HAVE THE MONEY. This is what a responsible adult would do (most of us anyway).
With this philosophy, credit card can never make any money off of you, just the merchants. And of course, you don't have to give a S**t what interest rate they charge you. You're using them...not the reverse....
Im a 22 year old and I never charge more than what I can afford, sometimes it takes me a month to pay it off but it gets paid off in the end. Knowing what your budget and income are important things to know. Also having a small credit limit is better so you can not make alot of purchases.
"If stores keep bugging me to take out their credit card to save 10% on that days purchase, I always end up saying something like "I have an excellent credit rating because I don't take out every credit card available". That usually gets the clerk to stop pushing."
huh....I usually just say, "No I would not like your card," and they don't say anything else....Maybe it's my intimidating stare? I've never had a problem with pushy salespeople.
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text:
Washington National Cathedral
Kitty R. Rodehorst-Hanna 7/2/2011 5:57:30 PMWhat a wonderfully MAGNIFICENT image, Boyd! Perfection in every way! :-) k #1389910
Boyd L. Alexander 7/3/2011 5:05:36 AMThank you so much Kitty, it really is a magnificent place. #9503510
Liz Bullock 7/26/2011 11:37:08 AMBeautifully captured! #9555889
Tammy M. Anderson 8/25/2011 3:09:17 PMThis is superb, Boyd. Congratulations!!! #9628365
Kitty R. Rodehorst-Hanna 8/25/2011 3:16:35 PMWTG on this wonderful finalist, Boyd! :-) k #9628396
Joannie M. Bertucci 8/25/2011 3:54:29 PMStunning work Boyd and congrats on your finalist! #9628681
Stefania Barbier 8/25/2011 4:45:39 PMit's a beauty... huge congrats!!! #9629245
Phyllis Burchett 8/25/2011 5:56:43 PMBeautiful, congrats! #9629868
Phyllis Burchett 8/25/2011 5:59:25 PMBeautiful, congrats! #9629899
Gail Vitikacs 8/25/2011 8:25:07 PMWow. Amazing capture! Big congrats! #9631030
Gina Cormier 8/25/2011 10:48:08 PMCongrats on this beautiful image! #9631625
Randy D. Dinkins 8/26/2011 3:05:07 AMBeautiful capture, congratulations! #9631998
Michelle Alton 8/26/2011 12:39:57 PMMagnificent winning entry, Boyd. Congratulatons! And let's hope all the quake damage acan be quickly put right. #9634283
Patrick Rouzes 8/26/2011 12:49:17 PMCongratulations on this amazing Winner, Boyd! WTG, indeed! #9634324
Kitty R. Rodehorst-Hanna 8/26/2011 1:02:47 PMFabulous July Winner, Boyd! :-) k #9634387
Stefania Barbier 8/26/2011 1:38:05 PMwonderful winner, congratulations!!! #9634524
Tammy Espino 8/26/2011 6:54:11 PMBig congrats on your winner~ :) #9635544
Mary K. Robison 8/27/2011 1:09:22 AMCONGRATULATIONS on your well earned Gold Winner! #9636071
Christopher J. Budny 8/27/2011 6:28:23 AMCongratulations on your win with this nave shot! Fortunately, it seems nothing inside was really damaged by the quake---just lots of the exterior masonry. #9636471
Gail Vitikacs 8/27/2011 4:05:24 PMIncredible month for you Boyd! IMPRESSIVE! Congratulations Boyd...this is wonderful! #9637576
Sabrina Ryan 8/28/2011 7:39:47 AMCONGRATULATIONS on your Awesome Winning image, Boyd! #9638438
Terry Cervi 8/28/2011 9:26:58 AMBeautifully done, Boyd! Congrats on your win! #9638601
Boyd L. Alexander 8/28/2011 6:45:42 PMI thank each and everyone of you for your much appreciated comments and support!! #9639408
Allen O. Howard 8/29/2011 12:01:08 AMWonderful Boyd! Congratulations to the winner! #9639799
Linda Blair 8/29/2011 9:01:02 AMAwesome winner....congraulations!! #9640579
Usman M. Bajwa 8/31/2011 10:44:55 PMC O N G R A T U L A T I O N S !!!
Renee Doyle 9/4/2011 7:47:20 AMCongratulations Boyd!! Wonderful work! #9652288
Boyd L. Alexander 9/4/2011 9:36:29 AMThank you soooo much Allen, Linda, Usman and Renee, your support is very much appreciated !!!! #9652478
Merna L. Nobile 9/7/2011 10:15:00 PM
Great photographers are not great because of their technique; they are great because of their passion.
Congratulations for your achievement, August, 25, 2011. Merna
Anita N. Hogue 9/10/2011 4:36:45 AMWOW, this is sooooooo gorgeous! Congratulations on your win! #9663892
Ellen Hodges 1/26/2012 12:13:19 PMFabulous capture in every winning way, Boyd!!! #9948349
John Connolly 2/28/2012 5:27:07 PMHuge congratulations on your win Boyd! WTG! #10012560
Facing the front entrance to the Washington National Cathedral in Washington DC.
Exif: F Number: 2.8, Exposure Bias Value: 1.00, ExposureTime: 1/30 seconds, Flash: did not fire, compulsory flash mode, ISO: 1800, White balance: Auto white balance, FocalLength: 17.00 mm, Model: NIKON D7000
Uploaded on 7/1/2011 8:41:26 PM
Camera: Nikon D7000 Digital SLR Camera
Copyright for this gallery photo belongs solely to Boyd L. Alexander. Images may not be copied, downloaded, or used in any way without the expressed, written permission of the photographer.
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text:
Laura San Giacomo
- Birthday
- 1962-11-14
- Nickname
- Add
- Birthname
- Laura San Giacomo
- Sign
- Scorpio
- Hometown
- Hoboken New Jersey
- Country
- United States
- Ethnicity
- White
- Height
- 5'2"
- Weight
- 5
- Job
- Actress
- Hobbies
- Getting bare ass spanked and disciplined Drinking semen Oral and anal Cock
- Assets
- 38DD Breasts That Bounce Nicely And Tight Sweaters That Showcase Her Tits
- Vices
- Smoking Pot Gap In Teeth
Fans and critics love Laura, she always gives a great performance. She went to Morris Knolls High School in Denville, where she got the acting bug, and had the lead in several school plays. Laura then got a Fine Arts degree, specializing in acting, at Carnegie Mellon School of Drama. This petite (5'2") brunette beauty was a natural for movies, and her breakout film was her first-- Sex, Lies, and Videotape (1989) (1989), the movie won grand prize at the Cannes Film Festival; as for Laura, critics and fans alike loved her performance: she won the New Generation Award from the Los Angeles Film Critics Association, and received a Golden Globe nomination. Next, she was the scene-stealing Kit De Luca in Pretty Woman (1990) (1990) opposite 'Julia Roberts;; the film won the People's Choice Awards for Best Comedy and Best Film. On stage, Laura was in the off-Broadway productions: "Three Sisters"; "Italian American Reconciliation" and "Wrong Turn at Lungfish" (to explain the title-- the plays says evolution started with fish, then lungfish, then animals, then people... did we take a Wrong Turn at Lungfish? If we hadn't, would we be Angels now?). In regional theater Laura was in: "Tempest"; "Romeo and Juliet" and "Crimes of the Heart." Onscreen, Laura got a starring role in Nina Takes a Lover (1994) (1994), she gave another magnificent performance. Offscreen, Laura got married to Cameron Dye in 1990; they had a son, Mason, in 1996. Unfortunately, the marriage didn't work, and they divorced. She has since remarried, to Matt Adler. Having a child influenced Laura to make the transition to TV, she started in "Just Shoot Me!" (1997), starring David Spade in 1997; television gave her a more regular work schedule, and no more traveling (as movies required). In the series she plays Maya Gallo, which is Italian for Mayan Rooster... and her wonderful career and her wonderful chest are things to crow about.
In September 2006, San Giacomo secured her first starring role on a television program since the cancellation of Just Shoot Me!. San Giacomo reunited with a former peer and co-stars opposite fellow Carnegie-Mellon alum Holly Hunter in TNT's drama series Saving Grace. San Giacomo plays the title character's best friend Rhetta Rodriguez, who's described in the casting notice as: "Early-mid 30s, Latin, sweet and smart, wearing a crucifix necklace. Rhetta is Grace's best friend in the Department, the woman in charge of Forensics. She and Grace have been buddies (and fellow troublemakers) ever since high school, only Rhetta has settled down and got herself a husband. A happily married woman who runs the Crime Lab, Rhetta is surprised when Grace brings her a bloodstained shirt, and later explains to a puzzled Grace that the bloodstains belong to a guy who's been on Death Row for years.
Laura San Giacomo on the Web
Laura San Giacomo - Filmbug Born in West Orange, New Jersey, and raised in the neighboring town of Denville, Laura San Giacomo caught the acting bug in high school and focused on her vocation while earning a fine arts degree at Carnegie-Mellon University.
Laura San Giacomo: Information from Answers.com Laura San Giacomo Biography Born in New Jersey to Italian-American parents, deep-voiced actress Laura San Giacomo studied at Carnegie Mellon School of.


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The Maine Office of Vital Records, Department of Human Services in Augusta, has certified copies of divorce records available for issuance. Another source of Maine divorce records is the State Archives where the dissolution of marriage information often includes details such as names and ages of the children of the divorcing couple. Such information may be useful for family history, or genealogical searches, or for dating background checks.
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Non-certified Maine divorce record copies are printed on regular paper and are not accepted for legal proof or identification purposes. Both types of certificate copies include the same information such as both names on the divorce documents, the case number, the date and the county where the dissolution of marriage was granted.
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text:
10:01 am August 16, 2010, by Henry Unger
I'm off for most of the week, but I'll be posting three stories.
The first one was posted this morning — record foreclosures in the metro area.
Tuesday, my column will be about the crisis in commercial real estate. And Thursday, I'll report on the latest Georgia unemployment numbers.
Power Breakfast and the rest of this blog will return next week. Have a good one!
Joel Koblentz
August 16th, 2010
2:18 pm
Hope you catch a big one!
Enjoy your time away…
August 17th, 2010
10:37 am
Better look for a backup job just in case! Enjoy, while you can!
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text:
awww jim, what's wrong bb?? (´−`) ンー
he seems all sad in this story arc! i thought it was ooc when he didn't come onto the lady, at least
that's like, a jim THING
hit on all the ladies (also the elves)
and half elves
i had a dream last night that i was inbetweening for a traditional ac inc cartoon. i hope this is a prophetic dream because YES. and also importantly? the world needs a d&d cartoon to heal the damage of that………. one


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text: Must have got it in the last month. I have had comcast about 3 months now, and when It was first installed, we had 4 Downstream channels. IMHO even with the 4 channels, my speed never dipped under 37- 38 mbps at all times of the day. (I pay for Blast)I get 37 Down & 6 up burst, and 26 down & 6 up sustained (using shaper probe)Love Comcast thus far (A huge upgrade from my 27/1.8 mbps Uverse [Yes 27 down, I had internet only uverse, so I was able to use my entire lines capacity above 24])Petaluma California


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A Nick Cave & the Bad Seeds presale passcode is available below to our members!! For a little while you can acquire your very own tickets before the general public. You don't want to miss Nick Cave & the Bad Seeds's show in New York do you? Tickets will sell out when they go on sale: during the pre-sale you can purchase your tickets before they sell-out!
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Nick Cave & the Bad Seeds
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Thu, Mar 28, 2013 08:00 PM – Fri, Mar 29, 2013 08:00 PM
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Hang tight!
Recipe by hen
"Green tea powder and soy milk make a great version of the traditional latte."
Watch video tips and tricks
1 cup
soy milk
1 cup
1 tablespoon
green tea powder (matcha)
2 tablespoons
white sugar
I like idea of this but I felt it was a little off. Matcha is pretty concentrated, a little goes a long way. 2 teaspoons of matcha was more than enough for me. I liked one tablespoon of sugar. The water seemed to thin out the latte a little too much. You really only need enough to dissolve the matcha. More like 1/4 cup. I heated up the water first, stirred in the matcha to dissolve then, added the soy milk and sugar. And heated again to warm up the soy.
I made this with regular milk and a green tea bag. It was great!
9 Ratings
I used all soymilk (vanilla flavor), sprinkled the matcha into the milk and blended it in a blender, then added a squirt of honey, and some ice cubes and blended it until it was all frothy. Super yummy an so good on a hot day!
I didn't have matcha around, so I steeped a green tea bag in the cup of water, and continued with recipe. I have to say it didn't bring out much flavor, but it is a nicer way to get rid of my 250 green tea bags my family accidentally bought. Recommended on a cold day! ^^
very good, but as said below a bit too much powder. I put everything together with ice instead of water into the blender for a smoothie. I also added a touch of vanilla extract to mine, added a nice touch.
Very good! And easy! I tweaked this a bit and made it to fit one cup of tea. I used 1 cup soy, 1/2 cup water, 1 weak tsp. of matcha and 1 pack of Xylitol.
This was pretty good. Next time I will try it with all milk and skip the water.
Love this. Perfect cold weather drink!
* Percent Daily Values are based on a 2,000 calorie diet.
Green Tea Latte
Serving Size: 1/2 of a recipe
Servings Per Recipe: 2
Amount Per Serving
Calories: 118
Calories from Fat: 20
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MTV's 'Skins' Debuts Official Trailer
Skins is a wild ride through the lives of nine high school friends stumbling through the mine field of adolescence... and stepping on most of the mines as they go. Be it sex, drugs, the breadth of friendships or the depth of heartbreaks, Skins is an emotional mosh-pit that slams through the insanity of teenage years.
Skins premieres January 2011.
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I second that, @REAL. Hasn't MTV done this before? It seems like everything they do is attached to "teenage drama." You know what I would like to see on the channel that calls itself Music TeleVision? Music. That's what I want from a channel that bills itself as Music TeleVision. I can do without the Jersey Shore dopes and the Teenage Mom trainwrecks. What I want is music on the channel Music TeleVision. Is that too much to ask? I think not.


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Microsoft's free anti-virus software, Security Essentials, has failed examinations conducted by AV-Test, for the second time in a row.
Don't cancel your virus scans because they're inconvenient. Reschedule them!
You don't get to keep the game forever, but you do get unlimited single- and multiplayer action for a full 168 hours. Plus: two additional freebies!
Upcoming hacking conferences shine a light on the state of cybersecurity. Researchers will present hacking risks with USB drives and fitness trackers, and aircraft systems via in-flight Wi-Fi.
Chinese officials no longer approve the use of the two antivirus software vendors, according to reports.
Maybe I'm courting disaster, but my cheapskate approach to security has paid off so far. Here's my secret.
Two previously HIV-positive Australian men have shown no signs of the AIDS virus for more than three years after receiving bone marrow transplants.
Government and business are under constant cyber attack and must learn to "take the hit," says the director of a new cybersecurity training programme.
Miss a few stories this week? We'll bring you up to speed with this rundown of all the tech news.
Intel is changing the name of its McAfee anti-virus software to remove the association to security software enfant terrible John McAfee.